davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all three bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, Transunion, and XXXX via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please note that Transunion did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from Transunion, and XXXX, I never received any confirmation from XXXX on the status of the 7 year fraud alert.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion on line to get a free credit report .i paid {$1.00} for this andgave my credit card info. I was offered " free '' credit monitoring.come to find out II was charged $ {$17.00} for the " free '' credit monitoring.this is deceptive.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX from my credit report!!!!! I never applied to XXXX DO NOT OPEN A FRUAD ALERT!!!! 

You must remove payment plan from XXXX there is no payment plain account is closed I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!
Consumer complaint received 2015-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE (NV)

In XX/XX/XXXX, I received a written Annual Escrow Account Disclosure Statement dated XXXX XXXX, 2015 from XXXX XXXX Mortgage explaining that I had too much money in my escrow reserve account. The letter included their Check # XXXX dated XXXX XXXX, 2015 in the amount of {$210.00} with my name as the Payee. I attempted to cash that check on XXXX XXXX, 2015 at a branch of XXXX XXXX XXXX where I have several accounts. After 30 minutes and several phone calls, the XXXX representative advised me that Sierra Pacific REFUSED to honor the check -- the XXXX representative told me that Check XXXX was no good and I had to contact Sierra Pacific to get the issue resolved. I immediately called Sierra Pacific at XXXX and spoke to their representative. She told me that Sierra Pacific was aware of the problem, that there were several accounts with the same issue, and that Sierra Pacific would immediately issue a new check and mail it to me on Friday, XXXX XXXX and I would receive it by Tuesday, XXXX XXXX. On Friday, XXXX XXXX, I again contacted Sierra Pacific at XXXX and spoke to another representative and I learned that NOTHING had been done. I requested to speak to a supervisor and my call was placed on hold -- I remained on hold for 40 minutes. I called back and spoke to a representative named " XXXX '' and she also placed me on hold waiting for a supervisor. I learned that customers requesting to speak to a supervisor were simply put on hold and the majority of those calls were not ever picked up. I was able to convince XXXX to give me their Fax phone number and she also allowed me to leave a Voicemail message in the supervisor mail box. The Voicemail message stated that it belonged to a supervisor named XXXX. I left an informative message in that mailbox. Also, on XXXX XXXX, I faxed my letter to Sierra Pacific Mortgage to their Fax number at XXXX and requested my replacement check to be mailed immediately. I have verification that the Fax was delivered successfully. I have not received the check .. I have not been contacted by any representative of Sierra Pacific Mortgage. This insulting lack of customer service is unacceptable. I want the replacement check in the amount of {$210.00}.
Consumer complaint received 2023-06-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

On XXXX XXXX I decided to do a search of information and documents on my home. The reason I did this is because I have been divorced from my ex spouse for 9 months now and I haven't got my buyout for her keeping the house. I found in my search that she has refinanced our house for the 2nd time that I didn't know about back in XXXX of last year and got {$18000.00} and I have not seen a dime of that money or the money before. When I first found out that she refinanced the house without my knowing or my permission and signature, I contacted Planet Home Lending the company that we have the mortgage through and told them what I had found out and I wanted answers of how this was done. This was maybe around XXXX or XXXX of 2021 maybe a little earlier or later when I contacted then. Unfortunately I do not have that email address anymore or I would have the email I sent them. Up until this time I have not got any response from Planet Home Lending regarding this. I contacted them prior to this on XX/XX/XXXX letting them know who I was and that I needed all the paperwork regarding my property because me and my ex spouse is no longer married and they replied on XX/XX/XXXX and said my email didn't match their records and had me give then my new email address so they can update it. They never emailed me back before I sent them the email on the XXXX letting them know what I found out and I told them that I would file charges if this was not fixed immediately because I have already in the past brought this to their attention. I still have not got a response from Planet Home Lending as of today. I have done my research and know for a fact that they have done illegal activity by refinancing this house without my approval twice. And I don't know how she even cashed this check with both of our names on it. I want everyone involved held accountable.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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.

The letters are stated with items and issues.

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 2023-06-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OK)

I was contacted from an block number. The voicemail used law eforcement language and threatened criminal charges for not calling back. It also provided a citation type " case number '' XXXX. 

I called and they answered XXXX XXXX XXXX. They stated they were a law firm in XXXX XXXX, California. He told me I owed money for a car I never owned and that XXXX was suing me if I didn't agree to settle. I told him I didn't remember the car and he said the last recorded payment was in 2009 and the car was repoed the same year. 

He kept trying to get me to agree that I owed the money and kept threatening me with wage garnishment, etc. 

When I told him I was done with the call, he told me to expect a lawsuit. As I understand it, Florida has a 5 year statute of limitations and debt collectors are not allowed to pose as law enforcement or make threats of actions they have no legal basis to make. 

I looked online and found countless people sharing similar stories about this exact company or scammer. Someone should look into this.
Consumer complaint received 2022-11-10
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. (TX)

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint with the CFPB against Experian XXXX XXXX XXXX XXXX ( Experian ) because they have failed their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I sent Experian Information Solutions , Inc a dispute letter on XX/XX/2022, labeled as Exhibit A, which they received on XX/XX/2022. They finished investigating my dispute which was ready and made available to view on XX/XX/2022 on Experians website, report # XXXX. On the status, it states Verified and Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. The information that they updated was Recent Balance which went from {$4000.00} to {$4000.00} as seen in the screenshots labeled Exhibit XXXX & XXXX I sent Experian a follow-up letter asking for the method of verification, labeled Exhibit D, on XX/XX/2022, which was received on XX/XX/2022 via return receipt which is labeled as Exhibit XXXX Experian opened an Account Dispute on XX/XX/2022 and finished their investigation on XX/XX/2022, report # XXXX. In this report, Experian XXXX XXXX XXXX XXXX failed to provide me with the method of verification which is stated that I can request per 15 U.S.C. 1681i ( a ) ( B ) ( 7 ) and that Experian must provide after receiving a request from the consumer for that description no later than 15 days. On XX/XX/2022, I contacted Experian Information Solutions , Inc. and spoke with representative named XXXX. I explained to him that I sent a method of verification, but did not receive any information that I requested in my letter. He placed me on hold and said that he would put in a request for the method of verification to be sent to me. He asked for my mailing address, and said that it should take XXXX business days to get to me. He also provided me with a case reference # XXXX. It has been 11 days, and I still have not received any information on Experian Information Solutions , Inc.s method of verification for this item on my consumer report. I have given Experian Information Solutions IncXXXX more than 15 days to provide me with the information that I requested to see how they verified an account. If the disputed information, after the reinvestigation, is found to be inaccurate or incomplete or can not be verified, then Experian must promptly delete that item of information from my consumer file.
Consumer complaint received 2023-06-24
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. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-24
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: Zions Debt Holdings (TX)

Based on the FCRA law XXXX is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in 2022. This is not true. The debt was bought from XXXX for a account created over ten years ago. XXXX refuses to remove this account. Bought by Zion Debt XXXX.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went on the XXXX XXXX XXXX XXXX website on XX/XX/23 and was able to receive reports from XXXX and XXXX, but was unable to obtain one from TransUnion. The prompt that I received said that I had already received the report, which I had not. 

It has been nothing but a nightmare ever since to try to get the TransUnion report. All they do is send me emails for me to sign up at a monthly cost to receive my report. I went through their website and made about 5 calls to get the report, but have not received it. 

They told me to go to service.transunion.com to get my report. I signed up for the website and was still unable to obtain the report. I called again on XX/XX/23 and was given the runaround again and still unable to obtain the report. While they kept me on hold for a long time all they kept asking me was if I was interested in paying for the monthly monitoring service. Every time I indicated NO, they kept asking me again and again if I want the paid monitoring service. 

I believe that they are purposely withholding the credit report that I am entitled to in order to force me to pay for my report as well as a monthly monitoring service that I don't want. 

All I want is my credit report from TransUnion.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST PORTFOLIO SERVICING INC (AR)

Over the past XXXX I have attempted to contact TOTAL VISA/XXXX XXXX XXXX  and gettting the absolute run around after discovering they were one of several companies with an account opened fraudently in under my information. I was told that because I could not give any account information and because I refused to give my social that nobody could do anything about it and it would stay as it is. Even after I read all the information is saw in my credit reports. I have been in XXXX with my great aunt since XXXX of 2022 and its impossible for me to have opened an account anywhere back home in the states when I wasnt there I have data breach alerts for a few hrs now from XXXX and XXXX and alerts of my information being in the dark web and now I have a fraudulent account under my name that this TOTAL VISA XXXX XXXX XXXX COMPANY IS REFUSING TO REMOVE. I did not open anything with them nor authorize anyone else to. Remove this.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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.

The letters are stated with items and issues.

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 2016-06-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

After a complaint has been investigated with Trans Union, it is impossible to obtain the free updated report they are required to provide. When you go to the website which offers a " Free report '' you can only proceed if you agree to be charged {$11.00}.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kinum, Inc., Indianapolis, IN Branch (MO)

My daughter 's father and i enrolled her together at XXXX daycare with the understanding that we split the bill ; this was also understood by the daycare. XXXX XXXX ( father of child ) discontinued payment in XXXX 2015 and XXXX XXXX XXXX did not notify me of this until XXXX 2015 ; i had continued to make my payments faithfully, ( i have all receipts. ) I was then contacted by XXXX, Inc ( at my job no less ) attempting to collect the debt that XXXX XXXX acquired. I told them upon first contact that it was his bill, not mine and not to contact me regarding this ever again. I then called the XXXX about it and the owner, XXXX, assured me that she submitted both our names and info. I just received ANOTHER call again, At my Job, today regarding this debit that is not mine. Not only had i already told them not to contact me again and they did, he was very unprofessional and rude, making statements that were inappropriate and acting like they were trying to get ahold of XXXX. Regadless, they are not following FDCPA federal laws at this collections agency. i have been in the industry and i know for a fact if someone says not to call again, you do n't call again.
Consumer complaint received 2017-01-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My account was at a XXXX balance. A charge of XXXX was approved even though it should have been declined and i got charged XXXX dollars in overdraft fess. I am ok with paying XXXX of the late fees but i feel paying XXXX dollars is excessive for a XXXX charge
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Wright & Lerch Attorneys At Law (IN)

Hello, I am currently receiving requests for wage garnishment from a debt collector for an additional amount that they were not awarded by my local court system. They have been overpaid for the amount that was awarded and actually owe me over {$500.00}. 

I have contacted the company that the original debt was with and it has been satisfied. I have repeatedly requested receipts for my payments from the debt collector and have never received XXXX. I have paid everything through my debit account so I know how much I have paid. I have requested a copy of my account showing where I owe additional money and they have never produced any documents. When I asked what the additional charge was for I was told that it was for " legal fees '', which were not awarded in the lawsuit. I said no you were not awarded legal fees and so they changed their story to " cover the interest on the account ''. They were not awarded any interest either and it is very clear in the judgement. 

So they have been trying to receive payment for items that were not awarded and they can not produce any documentation showing where I owe any additional amount. When I have spoke with their phone personnel no XXXX can answer as to what the charges are for? 

They owe me a refund which I want, I can produce the documentation showing what I have over paid. I 'm tired and frustrated that I have had to deal with these people and they seem to feel they can do whatever they please. I never denied having a debt and had made arrangements to pay the debt before going to court, However, the collection company refused to accept payments from the debt consolidation company that I hired. 

Last year I filed a complaint with the Consumer Financial Protection Bureau regarding the amount I owed and they contacted the original lender and an adjustment/credit was made to the account. I thought that everything was straightened out, and for the most part it was. But now I have this lingering problem that I need guidance in handling.