davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian Financial Services, Inc. (FL)

Meridian # XXXX & Meridian # XXXX are time share association dues. The Time share is my ex husband 's ( XXXX XXXX XXXX XXXX ) and I have signed over my shares/rights to him. This should not be on my credit bureau for association dues that I am not responsibility for. I have made several attempts to contact Meridian and XXXX in an effort to resolve but they are not willing to cooperate but only get the run around.
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. (NJ)

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.

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 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I have made XXXX on time payments to my mortgage provider. XXXX time they claimed they never received the check and the other time they received it ( bank confirmed cashed ) and they claimed it had insufficient funds which it had ample funds to cover the check
Consumer complaint received 2022-08-16
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. (CA)

Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error. 

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within XXXX days of reciept of this complaint. 

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past XXXX months. 


I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

XXXX Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Bank closed our checking account without any notification. The reason they gave was because the account was not used in XXXX  days, however I tried to transfer funds from my XXXX XXXX account on day XXXX and the transaction failed, presumably due to the account being in a closed status. 

The account seems active on my internet banking app and is linked to our Citizens Bank HELOC where monthly payments are made directly from the Citizens checking account. I used the account on XX/XX/XXXX and then tried to send a payment on XX/XX/XXXX. 

No letters, emails or texts have been sent warning us this would happen.
Consumer complaint received 2015-04-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lustig, Glaser & Wilson, P.C. (MA)

I received a notice to appear at small claims court in XXXX, MA on XXXX/XXXX/XXXX for a XXXX XXXX.. The case was with XXXX XXXX XXXX for an old credit card bill I owed to XXXX XXXX XXXX in the amount of XXXX + ore-judgment interest of {$33.00} and court fees of {$50.00}, {$720.00} total. 
I got behind on some several credit card bills when I went through XXXX treatment in XXXX. I am a single, divorced woman, XXXX years old. I am employed as a XXXX and was out of work for XXXX months during my treatment and went back to work part-time for five months before being able to return full-time in XXXX. 
The lawyer for the case was XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I fought to get the amount lowered because of excessive interest I ha been charged, and the Agreement for Judgment was that I would pay {$20.00} a month on the amount of {$460.00}. I made these {$20.00} payments each month until last XXXX, when I forgot to mail the payment on time, I worked on XXXX XXXX and XXXX to make a little overtime money and save the holidays for snow days, ( which came in handy ). The check I filled out to mail was dated XXXX XXXX ; however I decided to send {$40.00} instead and mailed the check on XXXX XXXX. Because I put " XXXX '' as the year, the check was returned to me. I promptly send XXXX for {$60.00}, which covered XXXX, XXXX, and XXXX payments. I have my bank statements to prove that XXXX received the XXXX check. However, On XXXX XXXX I received the XXXX of a number of harassing letters telling me I had failed to comply with the order and to contact their office. I made my payment of {$20.00} in XXXX and was aware that I had a " Payment Review '' coming up on XXXX/XXXX/XXXX. I was angry that XXXX was sending me these letters and would probably force me to pay the whole amount or even add penalties, so I sent them a letter on XXXX XXXX, XXXX and enclosed a check for the balance I still owed on the original {$460.00}, which was {$160.00} according to my records. In the letter I explained how I got slightly behind on payments at the end of XXXX. I did not go to the court review because my XXXX, XXXX, went to the XXXX for {$15.00}. '' I received a warrant from the XXXX County Sheriff dated XXXX/XXXX/XXXX to appear at XXXX District court on Wednesday, XXXX XXXX at XXXX. I am assuming that this warrant was sent from XXXX. I would like it if someone would accompany me there, but if this is not possible I will inform you about what happens at court on that date. Thank-you.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo refuses to accept responsibility for 1. Not accepting verification for utility service at the home. I provided a utility bill with the service address noted. The utility bill was mailed to my XXXX. The XXXX has been my mailing address for years as is documented in my account records with Wells Fargo. If the funder/investor guidelines require otherwise. It was Wells Fargo 's responsibility to intervene given that the facts relating to the matter are well documented in my file for years. An extension should have been granted. 2 ) On the day of the sale I provided documentation to reinstate the loan. This documentation was used to prevent or postpone the sale 30 days prior while attempts to modify the loan were being made. Wells Fargo withheld information to the investor relative to my XXXX history. They are liable.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation. 

Thank You
Consumer complaint received 2015-11-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo permitted un authentic ACH request documents to be submitted on my behalf that allowed ACH money to be transferred out of my savings account. ( {$70000.00} ) Wells Fargo did not verify with me the documents the received, did not verify my signature on the document or any standard verification for ACH set up. Wells lacked sending me the standard alerts which are typical for a " new '' bill payee and I did not get the normal account notices when money is transferred from my checking or savings. 

I personally tracked down all XXXX from the information I gathered on the bank statement the day the theft was discovered. I located a legitimate XXXX company in XXXX called XXXX XXXX XXXX where the money was sitting. I had the accounts frozen ( bogus accounts were set up in my name to accept the ACH transfers ). Wells Fargo has never called, its been 7 days. I complained to my local branch office on XXXX/XXXX/2015 and still today have received NO communication from the local branch employee. 
A stop payment of XXXX was successful for the last few transfers, that was verified Friday however Wells Fargo has not given me that money back yet. It is MY money. 
Today I verified that the remaining XXXX has been successfully wired back to my accounts. This was done by me. Wells still clueless.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DE)

Hello, In XXXX, I asked our company ( PHH Mortgage ) to remove PMI, which involved paying for an appraiser to come assess the value of our home. The {$100.00} check, which PHH requested we send to pay for the appraiser, debited our account XX/XX/XXXX. I called PHH to schedule an appraiser as soon as we could, which was delayed until XX/XX/XXXX. The appraiser came to our home on XX/XX/XXXX to complete the appraisal. I've called a few times over the last month asking for an update to the appraisal, and have been told they do not have one but will research what the delay is. I have been told twice that the investigation will take multiple business days, continuously delaying the results of our appraisal. Given the nature of today 's market, i was hoping to receive our appraisal results as early as we could, but PHH does not seem to have the same sense of urgency. A representative i spoke to was surprised that it's taken this long to get the results, so i'm hoping this complaint will help usher this process along.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute several inaccuracies i have identified in my credit report, which are detrimental to my creditworthiness and personal reputation. The erroneous entries pertain to unauthorized Accounts and incorrect personal information including names, addresses, and employment history. Aa a seasoned consumer law attorney I are aware of the requirements under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data industry Association ( CDIA ) guidelines, and I demand immediate recertification of these errors. as every attempt to notify or contact the credit bureaus has been ignored
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XXXX XXXX my XXXX year old son XXXX XXXX went into an XXXX store in XXXX XXXX NY to inquire about purchasing a car. In doing so his credit was run. Although he is XXXX years younger, has a different social security number and uses his middle initial " J '' ( I do not have a middle initial ). the hard inquiries are being reflected on all XXXX of my bureaus, which in turn lowered mi FICO scores.
Consumer complaint received 2015-11-03
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Horizon Debt Group, LLC (DC)

After speaking with the handler of my student loans and with the Department of Education, I was told that the XXXX XXXX XXXX XXXX XXXX Horizon Debt Group, LLC was not a recognized contractor of the Department of Education. 

On XXXX XXXX, I was contacted by XXXX XXXX, a representative from XXXX XXXX XXXX XXXX XXXX Horizon Debt Group LLC, who told me that I was eligible to have my loans reconsolidated and forgiven after a payment towards consolidation of {$900.00} and 36 months of payments of {$40.00} per month, starting in XX/XX/XXXX. On XXXX XXXX, I signed the contact electronically and authorized a payment of {$440.00}. Because I am on XXXX, I was told that my payments would be reduced and the amount I owe would be forgiven. 

However, I am not on XXXX XXXX. I was diagnosed with XXXX and had a XXXX earlier this year, and because of that, I am on long-term XXXX and am unable to work. I am also XXXX and have sustained some XXXX from treatment. 

I then received an email from XXXX, the Department of Education-approved handler of my student loans that my monthly payments were overdue. I called them, and was told they had never heard of this program, nor had they been notified of this. 

Yesterday, XX/XX/XXXX, I spoke with XXXX XXXX of XXXX/Horizon Debt Group, and was told that I needed to send an email to cancel this contract. 

I called XXXX XXXX XXXX to stop payment on the second scheduled payment on XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX Police Department Financial and Cyber Crimes Division and was told that since this was a civil matter, to contact a lawyer. Then I called the Ombudsman Group of the Department of Education to file a report. 

I do not want to put myself at risk of committing fraud and lying to get into a program to forgive my student loans.
Consumer complaint received 2015-12-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (NC)

I have an old complaint number of XXXX submitted XXXX/XXXX/XXXX and I have a new complaint number of XXXX filed XX/XX/XXXX. " THIS IS PART OF THE DISPUTE " On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of Vericrest Financial , Inc. A/K/A Caliber Homes Loans, Inc. XXXX XXXX XXXX was an employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or rep. of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by Caliber that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to XXXX XXXX, XXXX. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from XXXX XXXX giving Caliber Homes the Authority to dispose of these matters as it concerns XXXX XXXX XXXX , XXXX, NC XXXX.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

Good morning CFPB Personnel, 01. I believe my account has been compromised. 

02. If going through my past transactions, I 've never spent so much in one place nor do I shop at any place like this. 

03. The support document that was obtained from the Merchant was not my signature. 

04. Does the card match the store account records? 

Anything could have happened when dealing with fraudulent activities. I was told by American Express Associates in the past to let pending transaction go through before advising a dispute. So that is what I went by. Also I 've since asked for a replacement card.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Equifax received my certified letter on XXXX XXXX, 2016. My correspondence requested Equifax to provide a physical verification of the original contract signed consumer contract, which is required by Federal Law according to the FCRA 609 ( A ) ( 1 ) ( A ), Equifax is required to provide these documents before accounts can be posted on my credit report. Equifax still has not responded to my communication. Since Equifax was unable to verify my account I am demanding that report information regarding XXXX Child Support be removed off my credit report immediately as Equifax is in violation of the law and are reporting this information incorrectly. If Equifax does not remove these items from my credit report I will continue to file a small claims action against Equifax and XXXX XXXX for damages of {$5000.00} for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
The tracking number for the request that was sent certified mail is XXXX.
Consumer complaint received 2016-02-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Georgia Regional Collection Agency, Inc. (GA)

XXXX billed me once and I paid on the account. I got no further correspondence from them. NGRCA collections sent me a bill. I asked for information about the bill as I though the amount was incorrect. NGRCA refused to give me the information and I finally called XXXX and they gave me the billing co phone and address. I asked for an itemized statement and they refused saying that NGRCA would have to ask for the billing and NGRCA refused. I do not trust this XXXX group billing because they before tried to bill me for what XXXX said they were suppose to write off. After that was settled. they then called me at work and said that BC/BS did a charge back. After talking to XXXX at XXXX she informed me it was for another patient. I do not trust anything that comes from this company and NGRCA the collections company refused within the 30 days to get me a copy of the billing. This billing company committed fraud before and I am not sure they are not doing it again. After reading reviews of this group, i have noticed this seems to be a practice. I asked XXXX to audit these doctors and their billing practices, because I am not the only one that has had these problems. How many times does the billing co get by with not following proper procedures without the doctors being held responsible because the hired them. My husband would like to pay the bill in full but they will not give me an itemized statement.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked Transunion to investigate and if not verifiable, delete negative information on my report. I have explain and shown Transunion the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Transunion has only send back a full credit report without any updates describing the outcome of the dispute.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I noticed XXXX Employers listed as XXXX, XXXX XXXX and XXXX XXXX XXXX on EQUIFAX credit report. I have never been employed by these companies. I am requesting that EQUIFAX immediately remove these names from my credit file, listed as my previous Employers on my credit report. I have attached a screenshot of the incorrect information listed on my credit report XXXX
Consumer complaint received 2022-06-21
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- XXXX XXXX Account # XXXX, Dept of ED/ XXXX Acct XXXX XXXX Dept of XXXX XXXX- Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX Acct- # XXXX XXXX Acct- # XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NH)

iam having a problem with equifax i have called them i have written them and they just dont care iam trying to dispute some things with them when i go to the dispute site it rejects me saying iam not entering right information they ask questions that have nothing to do with me so they must have the wrong information there reporting wrong information on me and i should have the right to dispute i use XXXX with equifax and XXXX i have no problems with XXXX some help would be nice thank you