davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

The Account for XXXX XXXX should be removed due to it being on a home that was foreclosed on and the XXXX late for this trade line was over XXXX years ago. This account was removed from my credit file with XXXX and XXXX, see attached credit reports. This account was joint with my wife and was removed off of my wife 's credit report with Experian, please see attached.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

While reviewing my credit report, I noticed an unauthorized and fraudulent inquiries initiated by CITIZENS ONE AUTO FINANCE on XXXX XXXX. I did not authorize employees of CITIZEN ONE AUTO FINANCE to review my credit report at any time. I have requested that CITIZEN ONE provide me with any signed documents to validate this inquiry within 5 business days and they have failed to do so. The inquiries into my credit profile without my clear written authorization is in violation of my FRCA and Privacy Rights. I am requesting that CITIZEN ONE AUTO FINAANCE contact ALL credit Reporting agencies to permanently dele these adverse information as they directly have resulted in my inability to obtain new credit or employment and Housing.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

i was issued a wrong modification with XXXX XXXX XXXX after loan was sold to them and in turn now a servicer spf wont help. my home is legally entitled toa loan reduction from sandy damage and a real modification. this loan change hands three times and nowforeclosure is in process.. no one cares no one helps but when i was need in XXXX i did my part.
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian Financial Services, Inc. (CA)

As part of a time-share purchase, XXXX in XXXX XXXX accepted our XXXX XXXX timeshare in XXXX XXXX as a trade-in. XXXX XXXX handled the transfer of ownership and sent confirmation that the transfer of ownership took place on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, we received a collections letter from Meragon Financial Services, claiming that we owed {$8000.00} to XXXX for maintenance fees and fines. I disputed this on the phone, by mail, and by fax, sending Meragon the confirmation of transfer of ownership letter. They still persisted in calling and sending collections, threatening to report the unpaid debt to credit bureaus. I requested the exact information received from XXXX claiming I owed this debt. They sent one paper with the dues I paid under my contract number and a second paper with a different contract number listing unpaid and late payments. I confirmed with XXXX that this contract was not mine, but when I related this to Meridian, they continued in rudeness and threats. There is no debt. There is no paperwork validating that I owe a debt. I received no bills or notices of fines from XXXX. Meridian claims that these were sent regularly to me. XXXX XXXX called XXXX accounting, spoke with XXXX XXXX, who stated that the ownership was transferred, but since the new owners did not pay the maintenance, XXXX put the timeshare back into my name. He denied this when I talked to him and refused to talk anymore, referring me to the collections agency. We hired an attorney, explained all this to him and faxed him all the paperwork. After 6 months, he sent me a notice that we were no longer owners of XXXX, but he put the effective date as XXXX of this year! He says he is not responsible for any credit problems we may have. I intend to continue corresponding with him until I either get my money back ( {$950.00}. ) or sue him. Help! We relied on XXXX XXXX, who claims they are not responsible. We relied on XXXX XXXX, who claim they are not responsible. We relied on XXXX, who claims he is not responsible. How are we responsible for a transaction we are not licensed to perform on our own when we are informed that the transaction has been completed? We have been blind-sided by this. Now we find that XXXX has dinged us for XXXX unpaid debts from Meridian Finance, all opened XXXX XXXX, XXXX, totaling {$8000.00}, lowering my credit score more than XXXX points! It should be XXXX, but it 's XXXX!
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. 
The following accounts are being disputed : XXXX XXXX XXXX  Account Number : XXXX * Credit Bureaus : TransUnion XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Credit Bureau XXXX XXXX XXXX. XXXX * Account Number : XXXX * Credit Bureau : XXXX XXXX XXXX XXXX * Account Number : XXXX * Credit Bureaus : All three bureaus XXXX XXXX XXXX XXXX Account Number : XXXX * Credit Bureaus : TransUnion XXXX XXXX I have contacted the respective credit bureaus ( TransUnion, XXXX XXXX and XXXX XXXX and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law.

As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file.

Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit.

I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.
Consumer complaint received 2015-12-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

I signed up with a credit counseling agency to get my debt under control. One of the agency guidelines was to closed my current checking account and open a new one so debtors could get access to my account while the agency was undertaking negotiations. I paid the balance on my checking account to XXXX, and opened a new account with the same bank ( USBank ), and started my automatic paycheck deposits to that new account. But when I paid the balance to XXXX, on my old account, USbank did n't close the account because of pending transactions. I called the service support line and they informed me they could n't do anthing about it until the balance came to XXXX. Because I had several payday loans out, and the bank continued to try and process them as the payday loan companies continuous kept submitting payment request to the bank, the account always had pending transactions. Also, I used USBanks bill pay service. I changed all my bills to be paid out of the new account I opened. The bill pay service continued to try an pay some bills through the old account even though I had cancelled all payments from that account, which led to return check fees. During all this time the returned check fees added up to over XXXX dollars. The bank took over XXXX dollars on my new account to pay those fees. That XXXX dollars was my mortgage, home insurance and car insurance payment. I was not able to make those payments that month. I called the bank branch directly and the person I talked with put a hold on any further incoming payment request which allowed me to finally close the old account. So why could they not do that ( put on a hold ) when I initially paid the balance to XXXX in order to close the accout? With another call they refunded me XXXX return check fees of XXXX each, but said they could n't refund the rest because I did n't call earlier. But I called there service support line twice and each time was told there was nothing they could do. I live paycheck to paycheck and losing over XXXX set me back on many payments on multiple accounts. I cancelled my registration with the credit couneling service because after 30 days after registrating with them, they still had not started negotiating with my creditors, and I filed chapter XXXX bankruptcy. I was trying not to file bankruptcy, but with USBank confiscating over XXXX dollars in return check fees plus the XXXX dollars in fees I paid to close the old USBank account, I did n't see any other way to get my debt under control. I feel USBank could have put a hold on processing any other payment request to my old account when I paid it to XXXX. I then could have referred those debtors to the credit counseling agency I signed up with to negotiation settlements.
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (CO)

My credit card bank checks were stolen from my mailbox. 
Someone used one of them and cashed at a bank for {$14000.00} not associated to the credit card company that issued the checks. That bank processed it even though they held the check but released it after 7 days. The bank then charged another {$440.00} check transaction fee. Total damage {$15000.00} in credit card fraud. 
My credit card company has no feature to block any transactions over 'x ' amount of dollars. It could have been prevented if they had this feature
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

We ran into a job loss about 4 years ago and we did what everybody told us to do. We called Wells Fargo our mortgage company and asked what we could do. this was after exhausting all savings and XXXX to try to keep mortgage current. They gave us a plan for reduced payments for 3 months which we did and at the end we got another 3 month reduction at a higher payment. At the end of this period we got a bill for a balloon payment for all the back due. We were never told about this. Lie # 1. The next thing we know is that we were in foreclosure. We then whet through their program to modify the loan. Over the next several years, they lost our paper work at least 3 times and we submitted document after document and were denied. Finally I was told that it looked good but then my wife 's and my student loans were brought into the equation and it was denied another time. Meanwhile we paid the payments until they refused payment. We tried to sell the property, we tried short sell and were denied and we tried a deed in lieu of foreclosure and was denied twice. XXXX we decided to move and abandon the property and we had to tell them to take it to sheriffs sale and now it was stayed on XXXX/XXXX/XXXX. We just want them to take the property, but they seem to want to drag this out as long as possible. The agents at Wells Fargo have lied to us and even went so far as to tell me about her son being XXXX from the military. I have spoken to their executive office and got no resolution. I feel I have done everything to try to save this property, but at every turn have been treated unfairly and it seems that for some reason Wells Fargo is racking up charges to try to get more money from the FHA. Now I just found out that the reason for postponement for the sale was because they think we are XXXX military. I am XXXX and my wife is XXXX, we have both been XXXX military since XX/XX/XXXX and my wife since XX/XX/XXXX. Just another delay and more charges.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I fell for TransUnion Interactive 's Credit Report and Monitoring offer of a {$1.00} trial, only to discover that there was no usable information included ( like my credit report ). For that, I had to sign up for another $ XXXX, which I did, naturally with the understanding that I would have full access to all three bureaus ' reports for 30 days. Not only were these SIGNIFICANTLY limited versions of my credit reports ( compared to the free reports from all three agencies I obtained a month ago ), making comparison all but impossible, I learned today that you ca n't actually access them for 30 days if you do n't pay an additional {$17.00} within 7 days to continue the initial " membership. '' And of course, there is no refund for this bait and switch ... all I could do was cancel both the membership and the credit report access before I got automatically charged for renewal, and as a result I immediately lost all access to even this limited information. This is a SCAM.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was convicted of XXXX in XXXX in XXXX XXXX, XXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX XXXX did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXXXXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.
Consumer complaint received 2015-11-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Alexander & Associates, Inc (NJ)

I went to XXXX for my XXXX XXXX on XXXX my insurance at the time was XXXX XXXX XXXX XXXX I paid my copayment of {$40.00}. 

I was sent a total of {$880.00} for reimbursement that went to their overpayment recovery department for me to pay back XXXX. 

I was told XXXX I had to repay due to incorrect billing. The Dr 's office and then a collection agent refused to submit correct billing.I have disputed this debt since day 1. 

I was contacted by a XXXX and said the debt was incorrect as they showed me being reimbursed for {$1100.00} which I never was the patient statement they sent and patient demographics report both had incorrect information amounts received and insurance at time of service. 

I explained that the debt was incorrect and asked help in resolving the matter as XXXX said they would be reimbursed more than the XXXX that I had refunded backWhat happened after was a series of harassing and attempts to intimidate phone call by a XXXX specifically on XXXX. 

The letter dated XXXX/XXXX/15 is a complete and fraudulent statement that " there has been no response in regards to payment ''. The polar opposite has occurred and I find the actions of Williams, Alexander and associates to be deceptive and illegal.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I initiated a dispute XXXX/XXXX/XXXX with all XXXX credit bureaus ( XXXX, XXXX, and Experian ), because the original creditor failed to respond to my requests in XXXX/XXXX/XXXX. I allotted each bureau with time and documents supporting my claim that this credit entry DOES NOT belong to me. It has been over 30 days and rolling 60 days ... .I have not received an update regarding my dispute. However, when I log into my online accounts with the credit bureaus, the entry has not been updated nor removed. I feel I gave more than enough time to resolve this dispute. 
I think the original creditor, XXXX XXXX, is behind this ignorance. Either party ( the bureaus or XXXX XXXX ) should have contacted me by now. This account does not belong to me in the first place. I contacted the bureaus in XX/XX/XXXX reporting fraudulent activity on my credit profile, and then Federal Trade Commission in XX/XX/XXXX when more entries were appearing on my report. 
Please help me resolve this dispute. 
I sent the fist letter to the credit bureaus by regular mail on XXXX/XXXX/XXXX. 
The second letter certified on XX/XX/XXXX*XXXX tracking XXXX XXXXExperian XXXX XXXXMy postal has expected delivery dates ranging from XX/XX/XXXX-XX/XX/XXXX. 
Meaning each bureau should have received my 2nd dispute by now. Please review the attachments and contact me if you need any additional information.
Consumer complaint received 2015-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

My loan was sold from XXXX XXXX to Freedom Mortgage. We were in a loan modification program with XXXX XXXX and we were full filling all terms of the agreement. Once the loan was sold to Freedom we started to recieve unpleasant phone calls. One representative, named XXXX was totally unpleasant, rude, obnoxious and un professional. The company claims to not have our paperwork and they clain we are over {$16000.00} in arrears. This is totaly false. Our pleas fall on deaf ears. When we call we are directed to XXXX. And I refuse to speak to this person any longer owing to his rude and crass behavior. We have fullfilled the terms of our loan agreement. But Freedom refuses to speak to us about this and they instead threaten to foreclose on our house. This company is impossible to work with. During one phone call XXXX asked if my wife was home. I told him no. Then my daughter entered the room and spoke to me. XXXX then relayed to me that he knew my wife was at home and he inferred that I was lying to him. Experiences like this are very much the norm with this person and this company. We have read XXXX complaints online from other consumers who have been subjected to similar treatment. We do not want to lose our house, be in arrears or be subjected to any more threats, poor service, insults or lack of professional communication.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX 2015, I received a letter from the XXXX XXXX XXXX XXXX stating that my personal information had been compromised in a cyberattack. As a preventative measure, I placed security freezes on my credit reports at all XXXX agencies around the date of XXXX XXXX 2015. I checked my credit score at TransUnion online, the last credit reporting agency on my list. In a hurry to complete my list, I accidentally signed up for a " credit lock product '' on the TransUnion website. It was unclear until a month later as I was reviewing my credit card statement that this monitoring service cost $ XXXX/mo. Attempting to turn off the service via the their phone help line and online terminals was unnecessarily complicated, taking no less than an hour and a half of my time on the phone after several failed attempts to cancel the service online. After that, I was instructed to call the automated security freeze phone line to place a security freeze on my credit report. Again, I tried via their online terminal and automated security freeze line to place a security freeze on my credit report, I was unsuccessful after repeated attempts. Shortly thereafter, I wrote the TransUnion fraud department a letter ( see attached ), requesting a freeze be placed on my account and furnishing all the information necessary to do so. They sent a form letter and a " security freeze request form '' in response, which I am filling out and returning today. In comparison to my experience with the other credit reporting agencies, the process I endured attempting to place a security freeze on my credit report with TransUnion was downright onerous. Their customer service was n't helpful. Their description of their " credit lock product '' was unclear and misleading. The monitoring service was very difficult to cancel. Their website and automated help line failed with every attempt I made to place a freeze on my report. It was nothing short of a great, big hassle and six weeks later, I still have not achieved my relatively simple goal.