davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting with this written complaint that the following inaccurate items is a result of non-factual reporting. The items are as follows : XXXX XXXX XXXX XXXX This account reflects incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. This account reflects 22 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX. This is non-factual reporting. Please update the correct payment history and DO NOT DELETE THIS TRADELINE. XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX. This is non-factual reporting. Please update the correct payment history and DO NOT DELETE THIS TRADELINE. 
XXXX XXXX XXXX This account has a XXXX balance. It was paid off in XX/XX/XXXX. This is non-factual reporting Please update the balance on this account. XXXX XXXX XXXX  XXXX The account reflects 15 chargeoffs. An account can not reflect a charge off every month. Payment history is incorrect from XXXX to present. This is non-factual reporting. Please remove this account.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Accounts Service, Inc. (Indiana) (IN)

XXXX XXXX was extremely verbally abusive towards myself, and my husband. He used foul language, told me that I was stupid, and indicated that I need to pay my debt because it is " pocket change '' to most people. 

During a national pandemic this company, and this man, have incessantly been bothering me beyond comprehension. Their tactics are mean, abusive, and illegal. Something needs to be done about XXXX XXXX. 

If the bank can honestly say they support this type of tactic for collection matters, then word of mouth will surely begin to circulate.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

In XXXX applied for two refinance loans with Quicken loans. One on my primary residence and one on my investment property. I completed everything required of me by Quicken. I provided all my financials and documents requested. We had appraisals taken of both properties. Late in the process, in late XXXX, they tell me I must provide an " CPA audited profit loss statement ''. I am XXXX XXXX. I had already provided them my filed XXXX & XXXX federal tax returns. I provided my tax transcripts. I provided a XXXX profit loss statement and all my XXXX business checking statements showing all my income and expenses. Then they tell me they will not take anything but an audited profit loss statements. 

My CPA told me and audited P & L would take weeks and cost a significant amount of money and is like a forensic financial audit. Quicken would not give me any explanation about what was needed beyond saying 'an audited P & L '. They would not elaborate. They would not provide any alternative to these 'requirements '. 

I was railroaded out of my applications and they closed them out without asking me. I appears they did not want to make the loan to me and they would only tell me this was 'program guidelines '. When I asked for the guidelines, they would not provide them or elaborate. They knew I was XXXX XXXX at the start of the process. Quicken sells itself as highest in customer satisfaction in mortgage origination. No one would want to be treated as I have -- have a complicated requirement placed on them very late in the process with no  explanation ; then when I want more information, or alternatives, I am ignored or basically told to get lost with no explanation.
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

There is a collection account on my credit reports from CREDIT BUREAU SYSTEMS that says I owe {$360.00} to XXXX XXXX  XXXX that I do not owe. I paid this debt directly to XXXX XXXX and can prove it with XXXX XXXX XXXX own account statements, my HSA account statements, and I can also prove that XXXX XXXX shows that I owe XXXX dollars when I log into my online account with them. This is from a XXXX I had last year and I used my HSA card to make payments. 

I have tried to dispute the account but I have had no luck, Credit Bureau Systems will not remove the debt. Please help me with this matter, I do not owe this debt and would gladly prove it to anyone willing to listen. 

I have attached files showing when the debt was incurred due to a XXXX, and also a statement summary where you can clearly see the debt being paid down, with payments never having longer than a month in between them. This never should have been turned over to a collection agency in the first place. Thank you for taking the time to look into this!
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened an account with Capital One with the understanding that there was a rewards program. I have now accumulated {$440.00} that I would like to be paid. I have requested multiple times that they send me this money however they claim there has been fraud on the account. I can see no such evidence of any fraud. They initially asked me to take pictures of my drivers license and send these to them via text, which I did on multiple occasions. They claim that they did not receive these images. Then they said that I could send them a copy of my drivers license via email however they have never sent me an email that I could respond to. It has become apparent that Capital One has no intention of paying what they owe me and furthermore every time I try calling their XXXX number I end up on hold for 30 minutes or more and their customer service personnel are less than helpful. One could say that they go out of their way to be difficult. At this point I am closing my account with them but feel that I have been scammed out of {$440.00} and am owed that amount plus damages.
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Express Recovery Services, Inc. (UT)

I attempted to contact Law office of XXXX XXXX in XXXX and then again in XXXX. I am attaching what they responded. Prior to that I had called and asked to work out a payment plan. The representative wasn't abusive but was rude and did not try and answer my questions. I asked what the next step was and she did not respond or address it. When I emailed, I asked them to listen to the call ... no response. I sent a second response in XXXX and all they responded after that, is that they don't communicate through email. No phone call to me. I feel I attempted to resolve it and they have not done their part at all. 

Here is the email : XXXX To : XXXX   Our office does not correspond via email. Please contact our office at XXXX. 
Thanks, XXXX XXXX XXXX XXXX XXXX for Express Recovery Services , Inc . 

P.O. Box XXXX XXXX XXXX XXXX UT XXXX Direct Dial : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX XXXX This communication is intended for the use of the individual or entity to whom it is addressed. If you are not the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is prohibited. If you have received this communication in error, please immediately notify us and destroy any copies which you may have. The information contained herein is attorney-client privileged and confidential. This is an attempt to collect a debt. Any information obtained may be used for that purpose. This communication is from a debt collector. 
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From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX XXXX Subject : Fwd : XXXX XXXX A month has gone by and zero follow up from you or your office. I guess I should not be surprised by your representatives unwillingness to resolve this matter. 
Sent from my XXXX Begin forwarded message : From : XXXX Date : XX/XX/2020 at XXXX XXXX  MDT To : " XXXX '' XXXX Subject : XXXX XXXX Good morning, I have tried to contact your office and work out a plan but the only option of 7 months is not feasible for me or my son. He is an adult but is unemployed at this time. He did give me authorization and I have offered to assist him but its impossible to speak in a civil manner with your representatives. I encourage you to listen to the recorded call. 

I have requested to know what the next step is if my son, XXXX XXXX, is unable to meet the 7 month payment plan requirement. The representative said she didnt know. You are required to let me know what the next step is and she should know what are the possible outcomes, yet offered no advice or information. All she told me is she didnt know what resources my son has. Clearly Im not asking about his resources. I want to know what is the next step if he is unable to pay this. I would appreciate some information from someone who is willing to communicate. If that is possible, please contact me at ( XXXX ) XXXX. Thank you! 

XXXX XXXX Sent from Mail for XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent by regular mail correspondence to XXXX  and they have returned the mail two times. In addition, they keep reporting XXXX is verifying a bankruptcy that does not exist. I have from all XXXX information and there is no way that any of the 3 major bureaus or XXXX could verify.. 

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from XXXX that is frozen.
Consumer complaint received 2024-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

My loan is in default. I had a flood in XXXX XXXX the insurance company took about XXXX weeks to pay out. once I received my check I had to send it to XXXX mortgage because it was endorsed to both of us. Carrington have another depart called loss track handling it. this was the worst experience I had been through. Carrington was supposed to initially release a portion of my funds for me to fix my house. I overnight them the check on XX/XX/XXXX XXXX which there was no point and costed my {$80.00}. I never received any communication with loss track beside me calling every week about the status of my funds. they dragged everything their excuse was it will take 5 business day to receive an answer. they didnt release my first draw because they said they needed to find out from my insurance company why did I received the check was it because of the estimate that I had sent them. all this took 4 weeks before I recieved an answer on anything. I wind up paying with my own money for the repairs and it caused me to be late on my montage again. I called and told them that I can't make my mortgage payment because I had to pay to repair my house. they keep saying to contact the loss track department. after 6 weeks I called them and told them to come and inspect m house so they can release my fund. they inform me it would take a week for someone to call and set up an inspection. a week pass and still no calls. I called lossttrack again and they kept giving me the run around saying its over the week so they will expedite it but it will another couple days before anyone can contact me. finally after two weeks an inspector called and came and inspect. I called them after a week and ask when are they releasing my funds they said it can take up to a week before the inspector send in the report. so that was another week I waited. they finally release my funds on XXXX XXXX however they have no delivery tracking. after two weeks I called today XX/XX/XXXX and right away the customer service said oh its over the allowed time of delivery so I need to make a stop payment and send a new check. I said you guys aren't going to keep dragging my funds and using. why wouldn't u overnight it or give me a tracking. he saids we don't do that you will have to wait again. I said for what another XXXX weeks for it to happen again when I know you probably never mailed it. I need to speak to a manager. they never have a manager available and never let me speak to one. they keep saying the manger will call in 4 hrs or next day but never do. they have XXXX of my funds. I'm 2 months behind. they can't certify my check but they certified letters saying I'm behind on my mortgage. carrington mortgage is a fraud and their loss track department is a fraud. they're taking advantage of innocent people.
Consumer complaint received 2020-08-31
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. (OH)

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide, Method of Verification and Validation of Debt. 

XXXX XXXX # XXXX {$97.00} # XXXX {$65.00} # XXXX {$93.00}
Consumer complaint received 2020-08-31
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank charges predatory fees. On XX/XX/2020, I deposited {$20000.00} into my savings account to satisfy the minimum required balance. Gathering that {$20000.00} represented an enormous effort. I had to sell two vehicles, plus some furniture and clothing. The pandemic has hit my household hard, and we have no money to spare -- just these emergency funds from selling things. Only 2 days after I deposited that {$20000.00}, TD Bank hit me with a {$15.00} cycle fee. It must have been automated, and did not take my deposit into account, as a human being exercising judgment would probably not punish a struggling customer like that. So I sent TD a secure message about the fee. All I got was an automated response telling me they'd get back to me. They never did. On XX/XX/2020, TD imposed ANOTHER {$15.00} cycle fee, clearly caused by TD 's XXXX fee that had drawn my balance below {$20000.00}. While the first fee may have been an error of automation, the second fee is TD charging me for TD 's own fees. This fee pile-on is unfair and abusive. I called TD Bank customer service about this today, and they refused to help. Please stop TD Bank from preying on struggling  consumers like this.
Consumer complaint received 2020-07-01
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: WELLS FARGO & COMPANY (CA)

Wells fargo criminal bank institution did fraud and identity deft on my name. And possibly shared with that stupid and unknowing XXXX, XXXX, XXXX. This four criminal companies are holding my information without my consent.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank ( backs the Target Red card ), appears to be taking advantage of consumers during this pandemic. 

Without notice, they lowered my account limit, never late, from {$2500.00} to {$1300.00} this month. 

Here is the communication to them : " It appears, without notice, my credit line was reduced, never been late. This changed my credit utilization from 46 % to 89 %, negatively impacting my credit score. I  will be filing a complaint with CFPB, there is a better way to treat customers, if you said " We want to reduce your credit limit in 90 days, to {$1300.00}, I would have paid it down to avoid a high credit utilization percentage ''. This is NOT the time to be ruining people credit rating. ''
Consumer complaint received 2020-09-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX/XXXX XXXX {$420.00} XXXX  XXXX XXXX {$630.00} XXXX  XXXX    XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX {$17000.00} XXXX/XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX  XXXX-XXXX {$140.00} XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$490.00} USDOE/XXXX   XXXX {$21000.00} XXXX XXXX XXXX/XXXX XXXX XXXX {$2500.00} USDOE/XXXX XXXX {$7900.00} XXXX  XXXX XXXX {$300.00} XXXX XXXX  XXXX {$620.00}
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I called and spoke with someone in XXXX and and we discovered that the account wasnt mine. We had completely different account numbers and addresses. I disputed the account with a receipt attached showing that the information they have is incorrect and someone elses account. I C System Inc. is trying to collect on debt that clearly do not belong to me. They told me the only way they will take it off my account is if I pay or file for fraud. I dont understand why when I provided evidence proving that the information is incorrect.