davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION HAS VERIED INACCURATE AND INCOMPLETE INFORMATION MANY TIMES. 
XXXX DEFRAUDS ME.THE XXXX BALANCE VIOLATES THE XX/XX/XXXX CREDIT CARD ACT FOR DELINQUENT OR DEFAULTED ACCOUNTS. 
THEY HAVE NO BALANCE HISTORY FOR XX/XX/XXXX TO HIDE THIS FROM SIGHT. 
THEY DO NOT REPORT THE SCHEDULED PYMT OR MIN. PYMT PAID ON XXXX/XXXX/XXXX BECAUSE THE ACT used it as an index for fees and charges.With a balance history from XX/XX/XXXX to XX/XX/XXXX showing the increase in balance from less than XXXX to XXXX their crime would be discernable. 
INNACURATE BALANCE, CHARGEOFF AMOUNT, HIGH BAL.ORIG. CHARGEOFF, PAST DUE INCOMPLETE : NO SCHEDULED MIN. PYMT NO, ACTUAL MIN. PYMT, BALANCE HISTORY MISSING ALL OF XX/XX/XXXX, PAYMENT HISTORY MISSING XX/XX/XXXX YEAR, NO CHARGEOFF DATE, NO BALANCE ON XXXX/XXXX/XXXX AND ON GOING TILL C/O
Consumer complaint received 2016-07-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (AZ)

I had a medical bill from XXXX XXXX / XXXX XXXX XXXX for XXXX. Enough I was making monthly payment, XXXX XXXX / XXXX XXXX still sent my account to a collection agency. My account was referred to XXXX. I continued to make monthly payments and paid off the account in XXXX, 2016. All payments were made to XXXX. I actually over paid by {$14.00} at which time I called XXXX regarding my credit on XXXX XXXX, 2016. I was informed by XXXX that I did have a credit and I would receive a refund in the amount of {$14.00}. My refund was processing and I should receive my refund by XXXX XXXX, 2016. I did not received my refund. I called XXXX to inquire about the refund and I was informed that my account was transferred to Credence Resource Management and given the phone number. I could not get an answer from XXXX as to why my account was transferred or on my refund. I called Credence regarding my refund. I was informed that Credence had to research further and to call back. I waited a week to call. When I called back, I was informed that no research was done regarding the refund and more time was needed. Again, I waited about a week. When I called back, I spoke to manager " XXXX '' and although there was credit on my account, Credence needed to research and contact the " customer ''. As of today, still nothing has been done. XXXX and Credence both verified that I am do a refund. I am being refused my money back. 
XXXX XXXX XXXX / XXXX XXXX ; accnt # XXXX / Credence XXXX
Consumer complaint received 2024-08-29
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

I was told by Wells Fargo..I have a Hold on my {$5000.00} check from fidelity because of too many overdrafts in my aaccount ... my question is can I physically go get my check back ... i need my Money for rent? 
Thanks
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

We filed for Chapter  XXXX  bankruptcy in early  XXXX  to save our home from foreclosure. At the time, our mortgage was with  XXXX . During the bankruptcy the loan was transferred to  XXXX  then to  XXXX   XXXX   XXXX . Our last mortgage payment made through the bankruptcy to a mortgage company was  XXXX . At this same  time Ditech began se rvicing the loan. The filed paperwork stating that we were behind on payments, but then relented and said the loan was current. I tried to cont act Ditech  in Fall of  XXXX  to try to have PMI removed.  Ditech w ould not talk to me and referred me t o a 3rd party bankruptcy servicer. This 3rd party sai d that they showed my payments as current and that I would need to make my request by fax to  Ditech to have the PMI removed. I faxed Ditech, but ne ver heard back. In  XXXX  of  XXXX , I tried to contact Ditech again and was again referred to t he 3rd  party servicer. They again confirmed my payments were on time and that they had made multiple requests to  Ditech to begin servicing the loan again because my bankruptcy had discharged  in  XXXX . I contacted the servicer a few other times about the change in servicing. On  XXXX   XXXX , I faxed  Ditech to reques t they begin servicing the loan again, to remove PMI, and to recalculate our escrow because they had made an error in the estimate. About a week later I received a letter fro m Ditech stating tha t we were past due {$3300.00}. I left a message for the agent  XXXX  at extension  XXXX . When she called me ba ck three  days later I missed the call. On  XXXX  I faxed  Ditech  court paperwork from their lawyers stating that as of  XXXX / XXXX / XXXX  our mortgage payments were current. Since this time we have made all mortgage payments. I received a call from  XXXX  at extension  XXXX  on  XXXX   XXXX . She stated that we did not make all of our payments during the bankruptcy or that some payments were made but not for the full amount due. She was unable to tell exactly when this happened due to the transferring of the mortgage, but she was going to send me a payment history. She reminded me of the amount past due and the possibility of foreclosure.
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (FL)

XXXX XXXX, 2017 - Received unwanted robo call from XXXX at XXXX:XXXX XXXX and I returned the call at XXXX The robo call says if we want to get a paid in full report, press 1, if we want to stop calls to this number press 2 and enter your number, or to speak to a customer service agent press 4. I did n't press a number, but then was connected to a representative representing " ERC '' who said that he was on a recorded line and asked me if I was " XXXX XXXX ''. I said no, how did they get my number? ... then the representative hung up on me.
I am registered with the National Do Not Call Registry. I would like the company to refund me the cost of wasting my time {$200.00} or the penalty under the Do Not Call Registry, at their option.
Consumer complaint received 2024-10-12
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. (TX)

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2024-10-12
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. (GA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
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. (PA)

When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2024-10-12
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

This morning, I found unauthorized inquiries on my credit report, and I have no explanation for them. I check my report regularly, but suddenly, there are unexplained discrepancies. After refreshing the browser multiple times, I confirmed it wasnt just a technical error. I need this issue resolved immediately, and I am really frustrated. Please check the documents I've provided so I can stop worrying about this happening again.
Consumer complaint received 2024-10-12
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. (ID)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union is in violation of the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ). TransUnion is required by Federal law to verify, they have not and continue to report inaccurate information.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

XXXX has requested a hard copy of my Credit Report which I did not request. It was reported by Experian on XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2016-07-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

I made purchases in which I paid in full. 6 months later I receive an attempt to collect on further purchases, which I did not make. The company, XXXX XXXX XXXX sold my debt to Midland Credit Management , Inc. Midland put this on my credit report before ever contacting me. I contacted them to advise them that I did not owe and that they were not following Fair Debt Collection, by putting a debt that I did not owe on my credit report, especially before notifying me that they were going to do such.
Consumer complaint received 2024-10-12
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: Experian Information Solutions Inc. (AZ)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX Miscellaneous and public record XX/XX/year> UNDER DISPUTE XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Mortgage Reporters XX/XX/year> XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/year> XXXX XXXX XXXX Credit Unions XX/XX/year> XXXX XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Miscellaneous Reptg . Agencies XX/XX/year>XXXX XXXX XXXX  Miscellaneous Reptg. XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX, personal XX/XX/year> XXXX XXXX XXXX other than personal XX/XX/year> XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX, personal XX/XX/scrub>XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MO)

Debt was paid but never reported as paid or close to credit bureau or public records. When contact them about a release letter they said it will take from 30 to 45 days, called them back after 45 days and they gave me the same answer, eight months later still no letter. The company claims the attorney who handled the case should release the letter but when I contacted the attorney they said they are the company reporting to credit bureau therefore they should release the letter not them???
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (PA)

I took out a lease with GM Financial and paid the lease off in full by refinancing. I received a notice that my payments were not made. I contacted GM and they finally corrected their mistake but they had already reported this to the credit agencies. GM advised they would have this removed from all of my credit reports. They sent me a letter dated XX/XX/2016 that all the credit bureaus had been notified. 
Today I received a notification from XXXX indicating I was late in my payments to GM. XXXX has corrected this and I have not received the recent report from XXXX to see if they have corrected it. 
Despite repeated efforts on my part GM ignored the fact their lease had been paid and continued to notify the credit bureaus I was not paying my lease. 
Please take action against GM
Consumer complaint received 2024-10-12
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. (PA)

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-12
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX, bal. {$4100.00}, XXXX XXXX bal. {$4500.00}.
Consumer complaint received 2024-10-12
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. (AZ)

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2024-10-12
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-07-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TFS FINANCIAL CORPORATION (MA)

Dear Sir or Madam, I am writing to file a complaint against Third Federal Savings & Loan Bank in XXXX, OH. For years, Third Federal wrongly reported an item on my credit report after a version of a short sale in XX/XX/XXXX, which caused me financial harm due to incorrect reporting on my credit report for years. In XXXX XXXX, the bank reduced the interest on the repayment agreement with no initial explanation and that caused me to look back at this whole situation. 
Several realtors have said that my case was one of the first short sales in XXXX in XXXX and once more regulations were passed my situation would never have been handled as a short sale. 
How was my case handled? XX/XX/XXXX, Third Federal converted the {$20000.00} deficit after the short sale to a promissory note at 5 percent interest, which I have been paying on for seven years. Yet, Third Federal reported this as a charge-off on my credit report, when not one penny was charged off. To date, I have paid {$11000.00}. As of XXXX XXXX, the balance due was {$9200.00}. I have continued making the monthly payments. 
The credit report inaccuracies have cost me more than {$10000.00} in interest and higher insurance premiums, as well as immeasurable stress as I struggled to get a new job and buy a new home in the face of the negative information on my credit report. In light of what Third Federal has cost me financially, I asked Third Federal in XXXX XXXX to erase the remainder of the {$9000.00} balance. Third Federal declined. The bank said it had already reduced the interest rate earlier this year, even though this move preceded my request to reduce the balance and had nothing to do with the bank 's admitted errors and the financial harm the bank has caused me. Interestingly, no one at Third Federal will give me an in-depth explanation into why it reduced my interest rate without a request from me. 
I gladly accepted this interest rate reduction, which the bank says it initiated because I 'm a good customer. But this still does not address the financial harm done to me as a result of the bank 's mistakes. 
That 's why I 'm writing to you.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Contacted Bank of America multiple times to try and adjust interest rate and payment on credit card bill to finical hardship. Each time I was tossed around and never given a straight answer. Immediately after finally deciding to just close the card I was charged {$45.00} in interest more than I had ever been charged before and I was denied the ability to use my {$15.00} earned credit card points. Bank of America has constantly denied me any assistance. I have requested it multiple times and they deny me for any reason.