davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX is maliciously and intentionally reporting inaccurate information on my credit report and Experian is allowing them to. It is injurious to my credit rating and overall financial status. I have disputed this account with Experian numerous times and it was illegally verified as accurate. I want this inaccurate, injurious, erroneous information removed immediately from my credit report. 

Every month they update my credit report with a balance that in no way shape of form matches the information that they have sent me. Every time that I dispute the account, Experian comes back as verified as accurate. I have also sent Experian documentation that I have received from the creditor stating the balance, however they informed me that it doesnt matter what I send them, they go with what the creditor tells them. I have attached the backup for my claim and I would greatly appreciate it if you would help me get this remove immediately.
Consumer complaint received 2019-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (MA)

My Mortgage  was transferred to the Ditech Mortgage   Company some years ago. 
I have never been late on my Mortgage Payment with this company or the previous Mortgage Company, I applied and received a HAMP Mortgage Program. 
On XX/XX/2018 I received letter from Ditech asking me to fill out the Dodd-Frank Certification Form  ( Form 720 ) which my wife and I filled out, signed and sent by certified mail to Ditech Financial LLC, Attn Loss Mitigation Admin XXXX, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, XXXX, AZ XXXX and for good measure we also faxed the forms to them. 
The Forms said that Ditech would apply a one time pay for performance principle balance reduction payment in the amount of {$5000.00} which would reduce the principal. 
We have not received this reduction. 
I know that Ditech has recently applied for Chapter XXXX but that should not effect the Dodd-Frank Bill. 

I am XXXX years old and need help on this matter. 
Thank You Very Much for Your Time.
Consumer complaint received 2019-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NY)

Hello, On XX/XX/XXXX a collection ( total of 5 ) was placed on my XXXX  credit report by Harvard Collections. I found out on XX/XX/XXXX when I obtained my free reports. I was appalled as this is the 3rd agency that has tried to get the {$100.00} total from me. I have also received calls in the past from various collection agencies as well as postal mail on and off. I feel sick and angry all over again as I thought this ongoing issue was over and done with. To continue, I was never an inpatient anywhere in XX/XX/XXXX therefore the date is incorrect. I was however a patient in XX/XX/XXXX but my story and my truth remain the same. The first delinquency dates are incorrect as well-all 5, the charges were bogus and I confirmed this with a Medicare rep, in addition they waited 2 years to bill and all medical facilities know that they have 1 year to bill Medicare. I have copies of all the letters that I mailed to the first 2 collection agencies. I also have my notes regarding my call to Medicare and the rep that I spoke with as well as other notes, Medicare statements etc ... I hope something can finally be done now to stop these lying, harassing people and agencies etc ... they're relentless and it's very unfair and unjustified to ruin a persons credit with bogus charges. I hope the 5 collections will be removed from my reports as soon as possible as my credit reports are good and very important to me. I forgot to add that when this started I NEVER received any bills regarding the charges-just straight to collection and the first collection notice that I received was XX/XX/XXXX and the charges weren't on my Medicare statements either which I also confirmed with a Medicare rep. These agencies have also sent mail to relatives solely based on our surnames-sent to addresses that I have never resided at. Thank you very much.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (AZ)

On XX/XX/XXXX, LoanCare Servicing Center Posted to XXXX  Adverse and Derogatory Information regarding my Mortgage Account XXXX. 

Specifically, it is noted that the account experienced a Maximum Delinquency of 60 Days or greater. 

This is false and incorrect reporting! 

Note : The inception date of this Mortgage Account was on or about XX/XX/XXXX and closed/sold/transferred on XX/XX/XXXX. 

Accordingly, I only had five ( 5 ) Mortgage Payments due to LoanCare Servicing Center over that period of time noted. ALL Mortgage Payments were made and posted On TIME! 

Please reference attached Mortgage Statements which indicate clearly ALL Payments were made and posted to my account as stated herein.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

On XX/XX/XXXX a notice was dated that stated my mortgage loan had been transferred effective XX/XX/XXXX and that a new servicer would be collecting payments. I was unaware of this when I submitted my payment for XX/XX/XXXX to my orginal servicer. I called the original company on XX/XX/XXXX because I noticed my check had not cleared and was told that it could be mailed back to me due to the transfer. I received 2 return fees from my bank on XX/XX/XXXX and XXXX for {$32.00} each subsequently because I pulled money from the account as I believed the check would be returned to me as was stated and I would write a new check for the amount due to the new servicer for XXXX and XXXX. 

When I called the new servicer Specialized Loan Servicing on XXXX to determine if they had the check they would not tell me if they attempted to cash the check twice that was addressed to XXXX XXXX. Further they were very hostile and threatened to put me into foreclosure. Additionally the supervisor said my loan was late although the transfer notice stated it would not be treated as late. I simply tried to figure out who attempted to cash the check between the two and I felt that I was in a game of not me which I feel is a violation of my rights as a consumer to be treated fairly and be provided information. I simply asked for a credit or refund of the fees and for my credit to be reflected accurately due to the failure of these two creditors to transition the loan in a timely manner. To date this check still has not been cashed nor returned to me and I would like to make this complaint regarding the bullying I endured and attempted scare tactics and request a check in the amount of {$65.00} be disbursed to me from Specialized Loan Servicing.  Thank you.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX  XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
Also, the identical XXXX XXXX XXXX account is being reported 3 times. This is severely misleading I make 1 payment each month I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that time.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX   XXXX : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX
Consumer complaint received 2019-04-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Called Wells Fargo XXXX to pay off XXXX XXXX 's equity line under name XXXX XXXX. I am his son-in-law, XXXX XXXX. His home number is XXXX. 
My complaint is based on the excessive premium that Wells Fargo placed on XXXX when he let his property insurance lapse. He is not savvy in finances and also XXXX is his second language, so he did not know what " forced Insurance '' is. 

I called to pay off the equity line today and they said they would have that number on Monday. They also said it would probably include the principle balance of {$620.00} and also the unpaid insurance balance which is {$5900.00}. 

As we know forced insurance only covers the banks exposure. I feel that Wells Fargo has charged excessively for the forced insurance and that a fairer price should be negotiated based on the exposure of {$620.00} balance with a line of credit for {$24000.00} max.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (CA)

2 loan companies ( XXXX XXXX, XXXX XXXX, addresses below ) and two credit reporting company ( XXXX, XXXX ) are involved. 

This was a request to XXXX XXXX  and XXXX XXXX to remove from XXXX, XXXX, and XXXX a loan reported for {$310.00} in XX/XX/XXXX, and taken to collections in XX/XX/XXXX. A request for removal of the loan from my credit report was made to XXXX, which was denied despite evidence the loan was fraudulent. The loan was fraudulent, was a result of XXXX XXXX obtaining a frozen credit report, and has been reported to the FTC. A police report was filed. 

A request for my frozen credit report was requested from XXXX  by XXXX XXXX in XX/XX/XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX ). XXXX XXXX is a over-the-phone loan service providing loans to low-credit distressed customers at high rates. XXXX provided XXXX XXXX with a copy of my XXXX credit report, which includes social security numbers and personal information, despite my having a credit freeze on XXXX   reports. 

The same month, XX/XX/XXXX, an account was opened in my name and social security number by XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The same month, a loan was taken and a new loan account was reported in my name and social security number by XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The XXXX XXXX was never paid, and was taken to collections by XXXX XXXX for an outstanding balance of {$310.00} ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX ) in my name and social security number as known to XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit D ). 

Fraud alerts were filed, one with TXXXX ( see Exhibit E ), one with XXXX ( see Exhibit F ),  and one with XXXX ( see Exhibit G ). 

XXXX failed to show that identification had been provided in making the loan, and refused to correct the record. There has been no response from XXXX XXXX or XXXX XXXX. 

A police report was filed. 

In summary, the XXXX XXXX loan and the XXXX XXXX accounts were the result of credit fraud of an unknown party, and not by any knowledge or action by me or my family. This information is provided so as to obtain a police report, that can be used in the clearing of this fraud from my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dated XX/XX/XXXX XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I requested for the company to send me a copy of the original contract bearing my name on XX/XX/2019.  The company only sent me a copy of bill from LVNV Funding, which is the same collection company as Resurgent Capital Services. The has yet to send me a copy of any contract from the original creditor with my signature agreeing to the alleged debt.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XXXX and additional letters on XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America ( the bank, hereafter, BoA ) posted and reflected {$7600.00} on my ( hereafter, customer ) account as available for use on XX/XX/XXXX, this turned out to be a fraudulent payment. On XX/XX/XXXX, a {$2400.00} cash advance was withdrawn at BoA financial center located on XXXX XXXX XXXX, XXXX, VA XXXX, this was after customer enquired and a BoA representative advised that the money was available. Of the withdrawn amount totaling {$2100.00} was sent to the fraudulent paying party via XXXX XXXX. See attached receipt. The remaining {$240.00} was also used towards fraud related purchases. On XX/XX/XXXX, BoA posted {$7600.00} as unpaid. Customer reached out to BoA reporting a fraudulent payment on the account and lodged a complaint to the bank for negligence and failure to advise. It is now apparent that the funds had not fully processed when the bank advanced cash. Customer requested BoA to credit the account of lost dollars and all fees related. Please review my account and subsequent phone calls to the bank regarding the matter. BoA was fully advised about the fraudulent activity on customers account. Two credit cards, Saving and Checking accounts were closed down and BoA re-issued new accounts. BoA, however refuses to credit back the {$2400.00} plus the credit card cash advance fee, {$120.00}, interest on bank cash advance fee {$XXXX} and any other fees related to the fraudulent activity.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XX/XX/XXXX, XXXX XXXX sent me a letter indicating that I owe {$1600.00} to my previous property management company XXXX. I moved on XX/XX/XXXX, which was early. I had until XX/XX/XXXX. Since the apartment was roach infested I wanted to move asap. They kept my security deposit and charged me for alleged damage to the unit. I contacted XXXX XXXX to dispute all of the charges and they threatened to put this account on my credit report if I did not pay. I have a right to receive any itemization of charges. On XX/XX/XXXX, XXXX XXXX sent me the list of itemized charges which again I disputed. Now less than a month, this account showed up on my credit reports. These charges are fraudulent. I should not be charged for blind replacement or painting. I had hardwood floors yet they charged me for carpet cleaning. Damaged kitchen cabinet and damaged flooring is very bizarre. Where are the pictures?
Consumer complaint received 2019-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (IL)

there is a collection with Experian. That I have no signature or id or nothing that invole I approve this in I want it off my credit report I disputed XX/XX/2019 of the amount of {$38000.00} they did not give me no feed back when I wrote them or called so please help because this is something affecting me that I have no signatures with ... ..
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX XXXX shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. XXXX XXXX has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, Transunion and XXXX. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.
Consumer complaint received 2019-04-12
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: Credit Plus Inc (MD)

In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from Credit Plus would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from Credit Plus is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 2017
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My identity has been seriously compromised and it has effective me and my credit ability in ways un imaginable, The following accounts are very haunting and I'm requesting that these accounts be thoroughly investigated, and that I be provided with the details and Method used. I would like to know what all certified documents used and inwhom conducted the investigation, their title, day, time and inwhom did they speak with, what physical documentation reviewed and what all documents sent to the consumer as proof of these accounts. These are the following accounts being disputed, ( # 1 ) XXXX XXXX XXXXXXXX {$31000.00}, ( # 2 ) XXXX XXXX {$0.00}, ( # 3 ) XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$0.00}, ( # 5 ) XXXX XXXX, ( # 6 ) XXXX XXXX XXXX {$0.00}, ( # 7 ) XXXX XXXX {$4100.00}, ( # 8 ) XXXX XXXX XXXX {$1200.00}, ( # 9 )  XXXX XXXX {$0.00}, ( # 10 ) XXXX XXXX {$870.00}, please remove these accounts.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX/ XXXX XXXX Contacted company requested that they verify the debt, they were unable to do so, and they requested I reach out to Experian to have the item removed
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I have disputed a fraudulent account with XXXX and SYNCB/TJX COS several times. Each time, the dispute results in the account being removed from my credit report. Soon after, the account returns to my credit report, further damaging my credit score. I have spoken with agents and have been told the account was " never removed '' despite having considerable evidence that this account has been deleted each time. 

Since said account has been reported as fraud, I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score.

Not only is re-adding this account to my report wrong, but according to the Fair Reporting Credit Act, I should have been notified within three days each time this was added back onto my report and I was not notified a single time.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

I have a collection on my credit reports from a collection agency called Convergent Outsourcing. They list the original creditor as XXXX. I have NEVER had dealing or any type of business with XXXX. This collection does not belong to me.