davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I accidently made an electronic bill pay payment in the amount of {$1200.00} to AMERICAN EXPRESS instead of XXXX XXXX XXXX. The {$1200.00} is my 6 month payment for auto insurance. I caught my mistake on XX/XX/XXXX the day it posted and cleared my bank account. I called AMERICAN EXPRESS right away and explained what I did and they told me that I needed to call XXXX XXXX because XXXX took over the old XXXX AMERICAN EXPRESS accounts. I called XXXX and they told me that the payment I made went to AMERICAN EXPRESS and that XXXX does not have access to AMERICAN EXPRESS bank accounts. I called AMERICAN EXPRESS back and finally got ahold of a customer service person ( XXXX ) who told me that as of XX/XX/XXXX any payments made to the old AMERICAN EXPRESS accounts would be reversed and sent back to the customer within 3 to 5 days. On XX/XX/XXXX I had not received my credit balance payment back from AMERICAN EXPRESS and called them back ( it had been 10 days ). I was again told I needed to call XXXX. 
I went to my bank and turned my problem over to them and they got me on a 3 way call with AMERICAN EXPRESS and we could not get AMERICAN EXPRESS to help us ( me ). My bank did get a fax number and faxed over proof that payment was made to AMERICAN EXPRESS and that they needed to send the {$1200.00} credit payment back to me a.s.a.p. During the 3 way call, my bank asked to speak to the supervisor of the bill payment center and we could never get a supervisor to ever come on the phone. The last correspondence was with a supposedly supervisor who said we had a bad connection and hung up on us. I told the back that we would give it a couple of days to see if we could get a response back from AMERICAN EXPRESS. 5 more days have passed and I have not heard back from AMERICAN EXPRESS or my bank. 

It has been 18 days since making the accidental payment and I can not get AMERICAN EXPRESS to open an investigation and send my payment back. When I use the automated system for AMERICAN EXPRESS it states that I made a payment for {$1200.00} on XX/XX/XXXX with XXXX balance due. Yet, when I talk to a " live '' person they say they can not see my account? Once AMERICAN EXPRESS sees that I made payment to their bank on a closed account and they do not have anywhere to post it, it should be clear to them that the money needs to come back to me. 


I need HELP getting this cleared up with AMERICAN EXPRESS. 


Thanks,
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

Recently i got an alert on my credit report regarding a derogatory remark put in place by Company Sav-it. 

I reviewed the information on this and found they had lodge due to an apparent owing medical debit from 2016, i was under the belief back in 2016 this was settled with my insurance company, i had multiple calls with the Doctors office and last call was that they had everything settled. 

I was out of the country until XX/XX/XXXX this year and was never made aware that Sav-it was trying to contact me, according to Sav-its employee last Wednesday Evening XX/XX/XXXX they had sent a couple of letters and tried to call me however confirmed they had never contact me. 

i asked them to remove the derogatory remark for further investigation, i cited that i should be entitled to 90 days to defend the matter before any remark be lodged against me and that if the matter wasn't settled in 90 days i would not have a problem with the remark being on there, the person i spoke to on XX/XX/XXXX i believe his name was XXXX XXXX said he would have a manager call me the following day, i have never received a call, i have left multiple messages in the form of calls and social media, i have recorded evidence they have indeed received these messages but still refuse to make contact with me. 

This has now caused a seriously problem for me and i feel i have not only been discriminated against because i am not an XXXX XXXX   but also that this company has broken the law. 

i am happy to assist in any way what so ever to make sure that Sav It is fully investigated and prosecuted where justifiable.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I learned at the end of XXXX that my information had been used to open and pull my credit for auto loans. All fradulent activity took place bettwen XXXX. 

First I contacted Transunion to dispute a hard inquiry on my account that I didn't recognize. They informed me that I need to contact the bank who pulled my credit, XXXXXXXX XXXX. 
At the beginning of XXXX contacted XXXX XXXX to remove a hard inquiry. XXXX informed me that I need to fax the information to them for them to submit a deletion letter to transunion. 
On XX/XX/XXXX, I faxed the police report, identity theft report, letter to remove the inquiry to XXXXXXXX XXXX. 
On XX/XX/XXXX, I called Transunion to see if they go any correspondence from XXXX XXXX. They didn't. 
The person I spoke to, said the only way i can get the inquiry of my credit report is if I get a letter of deletion from XXXX XXXXk XXXX which i tried to on XX/XX/XXXX ) Side Note-During this time the credit bureau received information to delete a fraudulent CC that was opened under mine name ( from my information being compromised during the XXXX   breach ) which was open days before this hard inquiry was placed on my account. But they say they don't have any information to remove the hard inquiry. 
-they also know that i have identify fraud because they have applied an extended credit monitoring note on my account for 7 more years. 
-- So I am really confused, I am having more trouble removing a hard inquiry from my account than an XXXX fraudulent open credit card. Please help me get this last fraudulent thing off of my credit report.
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

From XX/XX/XXXX - XX/XX/XXXX I paid XXXX approximately {$27000.00} - This amount includes 12 months of rent and the small utilities charged by XXXX. 

XXXX is claiming that I owe them approximately {$5800.00} for unpaid rent and utilities. 

1 ) I paid my utilities to XXXX, XXXX and XXXX XXXX, previously. I asked XXXX to produce a record of the amount I supposedly owed them for for utilities and they were never able to do so. 

2 ) Meanwhile, these supposed utility charges were piling up and XXXX continued to evict me twice with an unlawful detainer. I tried to resolve the UD with the property manager, XXXX XXXX, and he agreed that I shouldn't be evicted, but a second eviction was started. After the second eviction and no response from the property manager  I decided that it was best for me to leave the apartment, so I no longer had to deal with this mishap. 

I lived at XXXX for 12 months and paid my rent on time every month. XXXX was never able to produce a record of what I supposedly owed for utilities and they tried to evict me twice. I have no idea what I owe them, if anything and instead of resolving this with me XXXX decided to go the collection route.
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Burt, Blee, Dixon, Sutton & Bloom, LLP (IN)

On XX/XX/XXXX I sent the agency a email explaining that I would be mailing out my payment. They responded on XX/XX/XXXX, this email response did not include the mini XXXX as the FDCPA ( 807-11 ) requires.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

I am trying to get an answer about my escrow account. 

I called and spoke to an individual who said my escrow account was negative. 

They said my escrow was only funded with {$2700.00} ( line g on my respa ), however, for line f on my respa with the prepaids, it was $ XXXX- this money is missing! They have no record of it even though it is in my closing documents and I paid it. 

I tried to talk to a supervisor. They called when I had a medical need and I could not talk. I asked them to call back in a half hour and they did not. Its been all day now. 

I would also like to close my escrow account due to this mismanagement. I was told I was eligible as of XX/XX/2021. I just wanted to get the funds settled because loan depot lost {$5200.00} in funds. 

My escrow account is showing an escrow advance of $ XXXX- this further adds to confusion and missing money. 

I asked for a detailed statement of my escrow- the representative said its online. But online doesnt show all the transactions. They told me they dont issue them, until I pressed and asked- then they said they would email it in 3 days. Still waiting for this statement. 

Also I have two tax appraisal districts- they said on the chat {$3200.00} ( school taxes ) but we also have {$1900.00} in local county taxes. The chat agent didnt say if this was paid.
Consumer complaint received 2018-06-25
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. (TN)

I HAVE CONTACTED XXXX XXXX SEVERAL TIMES ABOUT THEM REPORTING ACCTS THAT ARE PAID OFF, THEY ARE REPORTING THEM AS A BANKRUPTCY AND UNDER WRONG INFO. THEY EVEN SENT ME PROOF SHOWING THESE XXXX ACCTS ARE PAID IN FULL BUT THEY KEEP REPORTING INACCURATE. 
I WILL SUBMIT INFO SHOWING PAID FOR BOTH ACCTS. ALL INFO ON THESE TWO ACCTS ARE INACCURATE..

ACCTS INFORMATION THAT IS REPORTING FALSE : XXXX. XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXX THEY ARE REPORTING FALSE TO BOTH XXXX   REPORT AND EXPERIAN..
Consumer complaint received 2024-11-08
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. (TX)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, XXXX and Experian ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of 715+, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, Equifax and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All 3 credit bureaus XXXX, Trans Union and XXXX did not update my addresses and remove them off my credit report. I filed a dispute with each one of them. Its been 45 days and I havent received anything no word nothing and these addresses are incorrect and some of them are over 20 years old.
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. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am disputing the charged-off auto loan account with account number [ XXXX ] on my credit report. This account has been reported inaccurately and is in violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). I demand its immediate deletion from my report.

Non-Compliance and Inaccuracies Include : Incorrect reporting of the Date of First Delinquency ( DOFD ).

Misleading charge-off status and balance amounts.

Inaccurate closed status without clear verification.

If these items are not deleted within 30 days, I will proceed with a lawsuit for willful non-compliance with FCRA and Metro 2 standards, seeking damages for the harm caused by this inaccurate reporting. 

This is my final demand for deletion. Any failure to respond with full compliance will leave me no choice but to take legal action. I have consistently disputed to resolve the issue before taking legal action the credit bureaus state that it was verified and updated but that cant be true because with proper investigation they wouldve realized this account shouldnt be reporting on my credit report.
Consumer complaint received 2024-11-08
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. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  Account # XXXX Date opened XX/XX/XXXX Bal. {$6500.00} XXXX XXXX XXXX Account # : **** Date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments, charge-offs, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-08
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Equifax and XXXX XXXX XXXX , XXXX refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, XXXX for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, XXXX XXXX XXXX , XXXX, which last reported this old debt on XX/XX/2018. This is illegal.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Peoples Home Equity, Inc. (CA)

On XXXX I entered in to a contract to buy a house. XXXX XXXX XXXX XXXX XXXX, XXXX. I had been pre-approved for a loan, with PMI, by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, in XXXX California, on behalf of Peoples Home Equity of XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX, which became a loan # XXXX. This loan was quickly sold to XXXX Mortgage. 
I paid {$450.00} for the appraisal and {$4300.00} in points to lower my interest rate. It turns out that the XXXX XXXX never provided a copy of a Prelim Report to the appraiser, neither was one provided to me by escrow until the morning of closing when I had to sign for it but no time to read it in the maze of papers. As a result of not being given the prelim tittle report that included 3 Property easements for SEWER LINES that cover 1/4 of the lot, along with a {$93000.00} lien the appraiser estimated the value of the property incorrectly, at {$630000.00}, when a price closer to {$600000.00} would have been more accurate given the fact the property had changed hands for $ XXXX 2 months before. I ended up paying $ XXXX. 
The loan agent had been recommended by my real estate agent who also failed to mention the easements, and the escrow company, Lawyer 's Title, was picked by the seller who does all her business thru them and forgot to provide me one till it was too late. The original prelim title report, that had been pulled for the seller, before escrow opened, that I attach, was sent to me in XXXX when I questioned my agent and the escrow. I have the one I signed on XXXX at closing, that was requested by the escrow company, Lawyers Title, from a DIFFERENT Title company, XXXX XXXX, on XXXX and provided to the agents and escrow, ONLY, WITH THE EASEMENT MAP, on XXXX, at XXXX pm, per email by my agent, XXXX XXXX. The sellers, the escrow company, My agent and Loan agent XXXX XXXX, conspired to keep the easements secret till the end and misdisclosed the HOA fees as {$30.00} a month, though they were {$150.00} per month so they gain the commissions, about {$16000.00} for my agent and over {$8000.00} for XXXX XXXX for this loan. The sellers agent has agreed to mediation, while the buyers agents declined and legal action is to follow.