davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (IN)

Received letter mailed XX/XX/21 that identified me as a counselor for a client. I am not a counselor nor do I know the client identified in the letter. Indicates that the bank routing and account will be debited for the payment amount " authorized '' by the client. Again, I am not the correct party for any of the notifications and have no contact with either the firm nor any client/creditors.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2021-03-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

BSI Financial was the mortgaging servicer for my home mortgage, and the servicing was transferred to another entity as of XX/XX/XXXX. However, BSI Financial is responsible for providing the annual mortgage interest statement since it collected mortgage payment through XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX I have reported to BSI Financial Services, the mortgage servicing company, that I did received the annual mortgage interest statement ( form 1098 ). I was told the document was mailed to my residence and a given that I had not received it, a request for the document will be submitted to the appropriate department. I waited two weeks, yet I did not receive the document. I call again and informed the BSI representative that I had not received the document and asked for expedited service given that the form was delayed. The representative stated she will send an email to the appropriate department, and she also asked whether I would like to learn the amount verbally. I told her a verbal response from the company is unacceptable and I would like the document as it the only confirmation that would be acceptable in the business world and I need the actual statement. 

On XX/XX/XXXX I called the company again explaining that I have not received the document and again asked for expedited service. Again the representative offer the same explanation ( a request was send to the appropriate department ). She also stated I would receive the document via email within 24 hours of the request. The representative also offer to give me the information verbally, which I repeated my response. I need the actual statement. 

Since that time, I have made two additional calls to the company for same request and receive the same response. I find this company to lack appropriate measures for handling customers ' requests and further believe is should not take 2 months to provide a pre-filled document, that is required by statute to be mailed to customers by XX/XX/XXXX. Further if the statement was mailed at the time the company claimed that it was mail, why is it so difficult for the company to produce a copy?
Consumer complaint received 2021-03-15
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: U.S. BANCORP (PA)

Two unauthorized transactions occurred XX/XX/21, {$2000.00} and XX/XX/21, {$830.00}. I became aware XX/XX/21 when usbank ReliaCard had locked my account. I confirmed transactions were not authorized by me and that usbank had allowed someone other than me to change my email and text alert notices. 
A new card was issued but when setting up I discovered usbank still had the email used in the fraud attached to account. Us bank requested written notice which I provided and they recvd XX/XX/21. But they closed case XX/XX/21 without returning any funds to my account. I contact usbank XX/XX/21 to request any, all documents related but they would not give any. I requested the case be reopened and reviewed as these transactions werent mine. They refused. I asked for any contact that could possibly help with the fraudulent transaction but they just said they were sorry I felt that way and would not provide any information or resolution. At their request I had submitted proof of my identity shortly after first reporting fraud.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

am writing to formally dispute the inaccurate information on my credit report, as indicated below. After reviewing my report, I noticed a charge-off from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I believe is inaccurate and needs to be investigated. I request that you verify the accuracy of this information with the original creditor. If this charge-off can not be verified, I ask that it be removed from my credit report immediately, as per the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

Dovenmuehle Mortgage performed an escrow analysis dated XX/XX/2021 with incorrect information. As a result my annual property taxes were increased from {$7700.00} to {$9600.00} with no documentation to support the increase in property taxes. In turn my monthly mortgage payment went up nearly $ XXXX/month A letter from Dovenmuehle was received on XX/XX/2021, 3 weeks after it was initially performed. There was no notification through their online servicing portal that any changes were being made to the loan, taxes, or payment. 

Upon receiving the escrow analysis on XX/XX/2021 I immediately reached out to Dovenmuehle with the contact information provided on the letter received. I was instructed to send an email to " XXXX with my loan number in the subject line and attn tax department '' with any information regarding the errors. 

An email was sent on XX/XX/2021 with an official city tax bill, 24 month chain of title, initial escrow account disclosure statement, and tax record information sheet from closing. All 4 documents have the correct tax information, tax parcel number, and legal description. After sending in the corresponding documentation I was told that the tax discrepancy would be resolved by XX/XX/2021. 

On XX/XX/2021 my regular scheduled mortgage payment was made with the overcharged amount of {$2100.00}, when normally {$1900.00} is min payment. 

I followed up on XX/XX/2021 via phone using the same number that was provided on the analysis statement. The information was still incorrect and at this point a separate case was opened up for the same issue with a further deadline date of XX/XX/2021. I was given no information on why my original request was not completed and why now a new request was opened in lieu of my original. i can only assume that Dovenmuehle missed their deadline and are now creating a new request to extend the already passed deadline to protect themselves On XX/XX/2021 I received an email from XXXX XXXX " XXXX '' with '' XXXX XXXX XXXX '' cc 'd on the email. indicating XXXX would be my main point of contact and he is the resolution specialist handing my tax issue. 

XXXX XXXX is telling me that following up could be hindering the process of getting my tax information corrected. To me as a consumer this response comes off retaliatory all because I am trying to stop being overcharged for my annual taxes and monthly mortgage payment. 

I have followed up multiple times and there has been no movement with my issue, it has been nearly 60 days since the incorrect escrow analysis has been performed. 30 days since all the documentation to correct was sent to Dovenmuehle Mortgage. As a result Dovenmuehle is systematically overcharging me on my mortgage nearly {$160.00} with no accountability or timetable to correct.
Consumer complaint received 2024-09-09
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. (WA)

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

For some years now I have been denied credit and didnt think anything of it only recently I attempted to purchase a new vehicle because my current vehicle has been getting rained on and the trunk and Im being exposed to XXXX.My health is in jeopardy because I am currently diagnosed with XXXX. I didnt realize that something was going on with my credit being frozen until four car dealerships attempted to access it I have documentation and proof that Equifax has a fraud alert on my account that they continuously after about 20 cars in sis is not there I have been begging them to provide more information to the point where they have blocked me from making any calls to them at all and steel as of today XX/XX/XXXX my credit is still blocked I am submitting a copy Of a report from a car dealership that shows that there is a fraud alert on my accountBeing given such a hard time for something that is meant to be a good thing. I would like my credit report unfrozen so that it can be accessed by anyone even myself and noticing my account has not even been updated with Equifax since XXXX. I was asked to submit some documents and did so via mail and fax on XX/XX/XXXX and was told that by XX/XX/XXXX the fraud alert would be removed but it still has not been removed as of XX/XX/XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to my credit report.
Consumer complaint received 2021-03-16
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. (TX)

OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Child Support Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-03-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I received a letter in the mail about a collection account this company said I owed to them. I requested that they send me validation that this particular account belonged to me. They were unable to produce any document what so ever and have reported to the CRA without notifying me about said collection to begin with.
Consumer complaint received 2024-09-09
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you