davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX flagged my credit report with a collection account, I've reached out to the company and was told I owe a debt but the account does not belong to me {$430.00} XXXX # XXXX Open XX/XX/year> Here is what the law says : ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer. 15 U.S.C. 1692c ( c ).
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Performant Financial Corporation (NM)

XX/XX/XXXX the N.M. Dept. of Taxation notified me that I owed state taxes for XX/XX/XXXX in the amount of {$3500.00} and that the account had been assigned to a collection agency. I contacted the collection agency called Performant Recovery and made arrangements to pay {$100.00} per month on one of my bank credit cards beginning XX/XX/XXXX. I agreed to pay this until I could investigate the allegations and so that the collection agency would not contact the credit bureau and damage my credit. I knew that the alleged amount owed was drastically wrong because my earnings from my work for the entire year was only around {$75000.00}. 

I hired a C.P.A. and together we did my XX/XX/XXXX state tax forms again : I owed {$260.00}! Also, XX/XX/XXXX I had called the N.M. State Taxation department and was frequently in contact with an employee there who was handling my account. I sent the N.M. State Personal Income Tax forms directly to her as she instructed, by certified mail on XX/XX/XXXX. Meanwhile, I had been paying {$100.00} per month to Performant Recovery. When I informed the N.M. State Dept. of Taxation of their huge error I demanded that they notify Performant Recovery to discontinue billing my credit card immediately and reimburse me the overpayments that I made. Also, I called the Performant Recover company several times and was left " holding '' for 20-30 minutes every time without ever speaking to a human being. I then left messages about stopping the monthly charges. However, they never stopped charging my bank credit card even at this writing! Phone calls to the N.M. State Taxation and Revenue Dept. were never returned and the woman who had handled my account was sent to a different department. The new person never returned my calls or contacted me in any way. My bank fined me late charges for not paying the {$100.00} bill per month and I filed complaints with the bank ; but Performant Recovery kept charging my credit card and still is. They are sending threatening letters to me about what they are calling a " delinquent account '' for a balance of {$2600.00} when I owed the state of N.M. only {$260.00}.! They need to be stopped and they need to reimburse me for all the overpayments!
Consumer complaint received 2016-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of XXXX   of 2 years. Hard Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter serves as a formal and aggressive notice of dispute regarding the inaccuracies reported on my credit file by your organization. Despite several prior disputes, you have failed to correct the erroneous information associated with my account ( XXXX XXXX XXXX ) ( Account Number ending in XXXX ). This negligence is unacceptable and constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX ( 15 U.S.C. 6801 and 6802 ). 
LISTED ON : XXXX, TRANSUNION & XXXX Specific Issues in Dispute : Reported Balance of {$17000.00} : The reported balance is grossly inaccurate. I have never received {$17000.00} in any of my bank accounts or any other form of disbursement from your organization. This amount has no basis in fact and represents a fabricated figure. 

Balance Representation as a Positive Figure : The balance being reported as a " positive figure '' implies funds available to me, which is entirely false. This misrepresentation is misleading, deceptive, and harmful to my financial reputation. 

Repeated Reporting Errors : Despite previous disputes sent to your office, you have continued to report the same inaccurate data without conducting a proper investigation, which is required by law. Your failure to comply with federal statutes demonstrates either gross negligence or willful non-compliance. 

Legal Obligations Under 15 U.S.C. 6801 and 6802 : Under the XXXX XXXX, you are required to protect the accuracy and confidentiality of consumer information. Your repeated and continued inaccuracies reflect a failure to safeguard and properly verify my financial data, as mandated by law. This is a clear violation of your obligations, and I demand immediate corrective action. 

Demands : Cease and Desist Reporting Inaccurate Information : Immediately remove the incorrect balance of {$17000.00} and all associated derogatory marks from my credit report. 

Conduct a Proper Investigation : Complete a thorough investigation into the inaccuracies, providing me with documented proof of the origin and legitimacy of the reported balance. 

Provide Written Confirmation : Within 30 days, confirm in writing that the disputed items have been corrected and removed from all credit reporting agencies. 

Failure to resolve this matter promptly will leave me with no choice but to escalate this dispute further by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies to protect my rights. 

This is your final opportunity to address these inaccuracies before further action is taken. I expect immediate attention to this matter. 

Sincerely,
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Several years ago I purchased a car from XXXX XXXX. At the time of picking up the car I had auto insurance with the XXXX XXXX XXXX XXXX XXXX Michigan and I told the dealer to contact my insurance agent and transfer my XXXX insurance policy to my new car. 
The salesman only was interested in delivering the car, and without my permission contacted an agent who purchased an insurance policy with XXXX XXXX. The policy never went into effect, I never bought insurance from them as I had valid insurance with AAA. 
The fact that XXXX XXXX is alleging I owe them {$1100.00} is part of a criminal fraud between their agent and the dealership salesman. 
XXXX, XXXX a credit collection agency for XXXX XXXX is adversely reporting a collection account.
Consumer complaint received 2015-09-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Residential Credit Solutions, Inc. (MA)

We have been working through a short sale since late XXXX and just found out TODAY that the seller has XXXX loans ( the seller 's realtor has been horrible communicating with us ). The seller has short sale approval and we already went through negotiation with the bank. We were told we would close on or before XXXX and sold our house with a closing date right after that. We are now 3 weeks from when we are supposed to close and just heard that XXXX XXXX XXXX approved the short sale, but now we are still waiting on Residential Credit Solutions. We need the approval letters ( now 10 weeks later ) to finalize our mortgage and to ensure my family - with a XXXX and XXXX year old - are not homeless leading into the winter months of Massachusetts. What can I do to escalate this at Residential Credit Solutions so we know where we stand and next steps?
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (NJ)

I have an US Bank XXXX XXXX Premier Visa Signature Card. The agreement when I signed up for clearly said that get XXXX free night after paying {$75.00} FEE. The main reason I signed up for this card was the last night free benefit. However, U.S Bank & XXXX XXXX recently announced that their XXXX XXXX credit cards would be losing the last night free benefit after XX/XX/XXXX. I 'm really disappointed about this change. Is there anything that U.S Bank can do? I would like to get my annual fee refunded at least if it is possible.
Consumer complaint received 2024-11-22
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. (CA)

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. As such, they must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 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 Fraudulent Inquiries XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (NH)

On XXXX XXXX, 2015, a request for a loan modification was submitted by a HUD approved counseling agency to Dovenmuehle Mortgage on behalf of XXXX XXXX XXXX. The file was submitted with all required documents per servicer 's check list. On XXXX XXXX, housing counselor contacted Dovenmuehle to review file and was told they did n't have it. Resubmitted file. On XXXX XXXX, 2015, borrower received missing items letter. Housing counselor collected all required documents and submitted to Dovenmuehle on XXXX XXXX, 2015. Called Dovenmuehle on XXXX XXXX, 2015 and was told file was in review. Called Dovenmuehle on XXXX XXXX, 2015 to speak with SPOC, XXXX XXXX. She acknowledged receipt of documents but requested additional items ; namely, 1 ) a bank statement for an account that did n't belong to the borrower, XXXX months of bank statements and a profit & loss statement but borrowers had provided a letter saying they were no longer delivering newspapers ( self-employment ). Had clients write another letter and submitted to Dovenmuehle. Called Dovenmuehle and spoke with a XXXX on XXXX XXXX, 2015 and was told they needed more documents. In addition to the list, he suggested borrowers continuously submit pay stubs and bank statements until there is a resolution. Housing counselor, XXXX XXXX, contacted the investor, New Hampshire Housing Finance Authority on XXXX XXXX, 2015 to discuss the servicing of the loss mitigation file and requesting NHHFA to get involved. At this same time, borrowers received notification Servicer had determined the house was vacant and were planning to secure it and keep the keys. Borrowers are temporarily out of the home due to a fire caused by XXXX XXXX while installing a XXXX. XXXX assisted with this matter and the home will not be secured. On XXXX XXXX, 2015, housing counselor received an email from Dovenmuehle asking for more documents. Sent request to borrower and decided it was time to file a complaint. While NHHFA does not have to comply with CFPB regulations being a housing authority, we believe Dovenmuehle does have to comply.
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

I was checking my credit report and I realesed this agency claims I have an account with XXXX and I owe them {$370.00} even though this debt is n't mine and I have not been contacted by this company about said bill. my credit is starting to decline and it is crippling my chances on finding employment
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: POPULAR BANK (NY)

On XXXX XXXX, XXXX, I requested that a check be issued to the order of XXXX XXXX, through my bank 's online bill payment system, in the amount of {$3700.00}, The bank duly issued check number XXXX. After three weeks XXXX XXXX informed me that she had not received the check. Upon investigation, I learned that the check had cleared the bank, but the payee line had been crudely amended to add the phrase " or XXXX XXXX ''. I reported this to the bank on XXXX XXXX, XXXX. Subsequently, XXXX XXXX submitted an affidavit to the banks stating that she had nor received nor cashed the check in question. The bank acknowledges receipt of this affidavit. In the intervening months, I have been in contact with the bank on a monthly basis with respect to this matter, each time requesting that the money be returned to my account. The bank 's customer service personnel repeatedly tell me that the matter is under investigation and that they can not / will not refund the money to me until their investigation has been completed. The bank 's customer service personnel will no longer return my calls. On XXXX XXXX, XXXX, I wrote to XXXX XXXX XXXX, the bank 's President and COO, reporting on this problem and requesting that he have it resolved. I have not had the courtesy of a reply.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I used a credit card issued by Bank of America ( BOA ). However, I have been charged once for return check fee and once for late payment fee. I have never tried to make late payment or void payment. Both issues were caused by the fact that BOA does not provide enough instructions and help in setting up online payment correctly. I thought I have set up recurring online payment correctly. I do n't know know why it did not work well. I tried to got help several time through its online service and phone service. When I asked them to check if I set up the recurring payment successfully, they failed to provide this service. Online chat representative asked me made a call. When I finally got connected with the phone representative, she said she were not able to confirm for me. Now they charged the fees and refuse the reverse them.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ECMC GROUP, INC. (IN)

The person XXXX revealed that the company owed a debt. She knew that the needed to speak to the owner. She was told that owner was unavailable. She revealed that it was a tax debt and she needed to talk to the owner today.
Consumer complaint received 2015-05-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I wanted to stop a payment on a reoccurring charge from XXXX XXXX on my Bank of America checking account. I do n't plan on being in the area for a long time but XXXX XXXX needed proof that I was leaving to cancel my membership. I called the bank and they charged me thirty dollars to put a stop payment in place. Two to 3 days later, XXXX was able to access {$96.00} dollars from my debit card. I called the bank again and they told me that since the payment was still processing, I could call back and file a claim to get the money back once the payment went through. I did n't have time to immediately address this matter but after looking at my checking account purchases again, I saw another {$96.00} transaction from XXXX. I called the bank and spoke to a man named XXXX who told me that they did the wrong transaction to properly stop the payment when I originally called and that I probably would not get my money back since I did not cancel the gym membership.
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My Wife & I purchased our house XX/XX/XXXX. My wife is a XXXX Employee. We have take out equity loan out on our property & put the money back into our home. XXXX our Mortgage was sold to Penny Mac by XXXX XXXX Bank. XXXX the home value dropped from {$470000.00} to {$280000.00} and Penny Mac was going to forgive {$180000.00} of our Mortgage. We started the paper work with Penny Mac and they claimed that we were not qualified for and loan modification. We had to hire an Attorney in order to force Penny Mac to modify our mortgage. 
We were mislead by Penny Mac employees, lied to by Penny Mac employees and disrespected and bullied by Penny Mac employees.