davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am extremely upset with being ignored by a company that refuses to answer me. On XX/XX/2020 and XX/XX/2020, I wrote to the bureau to fix clear inaccurate information on my report with no response. I'm tired of being ignored. Its crazy to be ignored even when I sent certified mail to a well known company. I have attached all letters including a new letter that I'm sending off today certified mail. Hopefully, someone can make them do the right them.
Consumer complaint received 2020-10-13
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. (PA)

This complaint is against Experian credit reporting agency. On XX/XX/2020, they downgraded my XXXX score by 22 points ( from XXXX to XXXX ). Theretofore, my score had consistently hovered around XXXX for YEARS. The only change to my credit portfolio was a recently acquired XXXX credit card for the purposes of 0 % financing of a whole-house generator. Note : my scores for the other two agencies, XXXX  and XXXX, were not affected ( XXXX and XXXX, respectively ). 
I'm very suspicious of Experian 's actions given that they promote their EXPERIAN XXXX service which purports to " ... raise your XXXX  Score* instantly ''. 
I can not fathom why such a draconian reduction in XXXX score would be warranted by the procurement of a credit card given that I have stellar credit otherwise.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Experian routinely emails me with what appear to be " bait & switch '' alerts saying that something in my credit file has been compromised. However, when I contact the company, the company changes their message and sends me to a dead end XXXX call center who will not share information about them or the company so I can seek resolution of my issue. For example, they recently told me that my drivers license was compromised on the dark web. The details they provided are : " We found your driver 's license number on the Dark Web. '' Potential site : Unavailable*, most of a driver 's license number and the state in which it was found or issued, I assume. I contacted them and asked, if you are sending me an alert then you must know where you found the information on the dark web and they responded by saying, it is impossible to trace. This is false and misleading advertising meant only to trigger me into buying additional protection services. If you found it  then by logical extension you know or knew exactly where you found it and as such should be able to chase, prosecute and resolve.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (TX)

I mailed a certified letter to Phoenix Recovery Group on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that this debt belonged to me. To date, the company has not responded to my letter and it has been longer than 45 days since they received my certified letter.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

This account was suppose to be in Covid 19 hold status, it was not. I went online and made a payment. I told the CSR that due to COVID 19 when I would get paid, could I change the due date and or extend the covid 19 hold status. Was told I could not, so I made a payment. At that time I told I would call back in as schedule a payment when I knew what day I would get paid. I did this. Citibank said I didn't and charged me a {$39.00} late fee. I feel that they are trying to take advantage of minorities.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

I have filed Chapter XXXX bankruptcy ( XXXX ) and TransWorld Systems Inc was notified of the bankruptcy by mail so was XXXX XXXX XXXX. TransWorld Systems Inc has still chosen to violate my rights under the bankruptcy protection laws and has sent me a bill and called my cell phone. I called this company on XX/XX/XXXX and again on XX/XX/XXXX reconfirming my bankruptcy filing only for this company to call my JOB the same day. I need the communications to stop and I will officially filing a small claims complaint.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year, this accounts does not have monthly historical data to prove its accuracy. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.
Consumer complaint received 2020-10-07
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. (FL)

Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account Number : XXXX Creditor took 30 days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance  on this account is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXX Thru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report.

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late.

XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report.

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold toXX/XX/XXXX and should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report. 

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2020-10-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

In XXXX of this year I contacted Midland Funding about an account they are attempting to collect on. They responded saying they could not locate an account for me but asked me for additional information as you'll see in the attachment. I then replied stating I was providing them with the exact same information they gave to the credit reporting agencies because that is the information being reported by them. They received that notice by certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. To this very day despite them not being able to locate the account they are still reporting this account to the credit reporting agencies and verifying it to be accurate.
Consumer complaint received 2020-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

CMRE are reporting a collection account on my credit. I paid the bill to XXXX XXXX. XXXX XXXX sent a letter to CMRE telling them that my bill is paid in full to them and my balance is XXXX. They asked them to remove the collection from my credit. CMRE stated to me that they are not going to remove the collection from my credit because they felt the original creditor XXXX XXXX should have charged me more money.
Consumer complaint received 2020-09-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I have spoken with the servicer. Select portfolio servicing told me they will refund the {$250000.00} the stole from yesterday within 72 business hours. THIS IS NOT GOOD ENOUGH. I WANT THEM TO WIRE THE MONEY TODAY.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

My 2 Visa credit cards with BBT were stolen when I was in the hospital with the Covid virus. I called BBT 's customer phone line and their dispute phone number and they have not responded to my disputes with charges that were not mine. They sent me new credit cards and they reversed small charges but they did not address the large fraudulent transfers that were made, They seemed very disorganized and I a ma getting nowhere with them by phone. I sent them a Certified letter and I am complaining to you, This involves 2 Visa credit cards as follows : XXXX and XXXX.
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Sent disputed letters to trans union asking to verified and valid accounts that dont belong to me and is a product of identity theft I asked for contracts and application with my sign signature to verify my identity I have not received either all I received was a letter saying the account have been verified as accurate and a couple of bills that dont belong to me
Consumer complaint received 2023-11-22
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. (TX)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OK)

My Card was stolen and all the money was used off of it. I reported the card stolen and ordered a new one. The card company then transferred me to the transaction dispute department and after 4 hours on hold the call hung up on me. I've called repeatedly to fix this issue and after hours on hold it hangs up and I never get to talk to a agent. 

Card was stolen a second time. Same issue as before XX/XX/2020 ATM Withdrawal/XXXX  XXXX XXXX XXXX Ok/XXXX/ {$100.00} XX/XX/2020 ATM Withdrawal/ XXXX XXXX XXXX XXXX OK/ XXXX {$200.00} XX/XX/2020 ATM Cash withdrawalXXXX XXXX XXXX XXXX XXXX OK/ XXXX {$43.00} XX/XX/2020 ATM WITHDRAWAL FEE/ XXXX  XXXX XXXX XXXX OKXXXX XXXX {$0.00} XX/XX/2020 PURCHASE/ XXXX XXXX/ XXXX OK/ XXXX {$32.00} XX/XX/2020. XXXX XXXX XXXX XXXX OK/ XXXX {$74.00} XX/XX/2020. XXXX XXXX XXXX XXXX XXXX/XXXX  OK/ XXXX {$47.00} XX/XX/2020 PURCHASE/ XXXX   XXXX  XXXX/ XXXX FL/ XXXX {$28.00} XX/XX/2020 PURCHASE/ XXXX  XXXX FL/ XXXX {$28.00} XX/XX/2020 PURCHASE/ XXXX  XXXX XXXX {$27.00} XX/XX/XXXXPURCHASE/XX/XX/XXXXXXXX  XXXX OK/XXXX/ XXXX XX/XX/2020 PURCHASE/ XXXX XXXX  XXXX XXXX OK/XXXX/ {$20.00} XX/XX/2020. PURCHASE/XX/XX/XXXXXX/XX/XXXXXXXX XXXX OK/XXXX/ {$7.00} Everyday I have called my card company, been on hold for hours at a time and it always hangs up before I can talk to anybody
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (IN)

On XX/XX/2020 I sent a certified letter of dispute regarding unauthorized inquiries on my credit report. After not having received a response within 30 days, I then filed a dispute online regarding the inquiries, as I recently noticed there is an option to do so on myequifax.com. When submitting my dispute, the second step is " uploading of documents '' however that second step is not a viable choice. After selecting " next '' it skips over that step entirely because that is not actually an option. I submitted the same dispute 2 times, the first on my phone then on my lap top. In both cases I was not given the option to upload a document. I then decided to follow up via phone, on XX/XX/2020 at roughly XXXX, after not having been able to submit my documents. When speaking with the representative from Equifax I was told that I was not able to dispute the inquiries with Equifax, over the phone or online, that I had to contact the lender directly. I then stated I already had contacted the lender and that I do have the ability to dispute any item on my report that is not accurate and they are legally bound to investigate. She stated Equifax will not investigate inquiries. I then asked her why t is there an option to dispute an inquiry right on their site, yet she is telling me the complete opposite, they will not investigate? She kept repeating I have to contact the lender. I then went on to say never mind I'm getting the run around, that I would just file a complaint and that I now wanted to know how to repair a line of credit and the apparent transmission error that is occurring, the lady then hung up the phone. So it has been ore than 30 days since I disputed the items. The first by certified mail and online twice. I never received a response until today at which point I called to inquire about uploading documents, and was told Equifax would not investigate, although the option to dispute them is right on there site. They also claim to have investigated an account of which I reported a now XXXX balance, the outcome did not change my report as it should have. 

XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

Hello, this complaint is directed to Dovenmuehle Mortgage XXXX Inc., which serviced my mortgage. Below is a brief timeline of the issues Ive encounter with Dovenmuehle and trying to recoup my escrow refund after paying off my loan. It took them 30 days to refund me ( well outside of the 20 business days prescribed by 1024.34 ). 

XX/XX/2020 My loan was paid in full. 

XX/XX/2020 An automatic monthly payment came out of my checking account ( {$3000.00} ). I can understand how this accidentally happened, not a big deal. 

XX/XX/2020 I called asking about my loan being paid in full and when I was going to have my {$3000.00} returned, it never should have been withdrawn. Representative saw the error and said I would have a check in 10 business days. 

XX/XX/2020 I called asking about my {$3000.00} and escrow owed to me ( {$1400.00} ). Had very long conversation. Supervisor told me that a check for {$3000.00} was in the mail and that the escrow amount had been escalated to the Acceleration Team. I was supposed to receive an email from them in 5 days and they were going to send the check via XXXX 2 day. I never heard back from anyone at Dovenmuehle. 

XX/XX/2020 Once again, I called explaining the situation and was elevated to a supervisor. Supervisor told me that my issue had been elevated to the Acceleration Team and that I was supposed to get an email from XXXX today. I received the email and replied back to XXXX explaining that Dovenmuehle was outside the 20 day escrow refund law ( 1024.34 ) and that I wanted my refund immediately. XXXX confirmed they were cutting the check today.
Consumer complaint received 2020-10-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC. (DE)

This company is reporting a collection account on my credit report. I have reached out and ask them for debt verification, it has been almost 3 months and i have not heard back from them. This is a violation of my rights under the FCRA! I would like for them to be held accountable.
Consumer complaint received 2020-10-07
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: Monterey Financial Services LLC (VA)

I am filing a complaint of non-compliance against the following collection companies : XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) MONTEREY COLLECTION ( XXXX XXXX ) XXXX ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX  and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section XXXX ( a ) of the accounts listed on my original letter.