davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

I have requested from this company three or more times strict proof of charges on this account. I was not receiving statements from the company and have requested statements to no avail. The company keeps changing their collection agency and has been putting negative on my credit report when the seven ( 7 ) years expire they change the dates and amounts and put another negative on my credit report by allowing another firm to place this same account with different amount of debt on my credit report. This is an ongoing request that has not been satisfied by XXXX XXXX, I have yet to receive strict proof of any charges that I owe. I have submitted on several occasions disputes and request for strict proof of debt via certified mail. I have yet to receive statements with proof of debt. XXXX XXXX stated that no statements have been returned, of course not because none was sent out in the beginning. Per the office manager at their local office on XXXX, which has since closed, the corporate office is responsible for sending out these statements and the request would have to made in writing. I do n't understand how I was paying via online system and the payments were being accepted ; however, no statements were being mailed to me. I also had my attorney to request this information to no avail. I had a request from my State Attorney Generals Office regarding this matter, so if I was trying to avoid payment I would n't have responded to their request. I have paid off several accounts but I received strict proof of all charges and saw where my payments were being applied. XXXX XXXX feel like they are exempt from supplying me statements regarding this account, they also allowed a third party to produce a new statement that was based on the information the collection agency wanted to charge me. This was not a true and factual statement but a new statement from the collection agency. I need strict proof of all charges and statements from XXXX XXXX and for the negative marks on my credit report to be removed for the time has expired.
Consumer complaint received 2016-11-04
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

This morning, I sent money to my wife via Western Union. I was provided an XXXX # ( XXXX ). I was informed the recipient was unable to receive the funds because the XXXX was incorrect. Western Union collected the money from my checking account, but has not credited my Western Union account. I was advised by my credit union that they could not cancel my debit card transaction because I " entered into a contract '' by using my debit card. I was provided a " system trace audit number '' and " sequence number '' by my credit union. I emailed screen shots of this transaction on my checking account and a picture of the document provided to me by my credit union with the technical numbers associated with the above listed transaction. The Western Union help desk. I was given the help desk reference number of XXXX from the email address XXXXXXXXXXXX.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

Experian 's " online disputing '' does not work. It begins by asking questions about credit accounts that are not mine. I answered " none of the above '', then it tells me I am an imposter and request a photocopy of my driver 's license.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (CA)

In accordance with the Fair Credit Reporting Act, the creditor Aid Advantage, has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose. Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (ID)

Ever since XXXX XXXX has joined with the collection agency they have, I have mailed requests, at their instruction to have them stop calling me. I have clearly stated what my circumstances are, asked them for a payment change date and they call beginning at XXXX XXXX and continuing sometimes until almost XXXX, INCLUDING XXXX and XXXX, multiple times a day, sometimes as many as 5 times a day. They are relentless in calling, the representatives are rude and do not complete the tasks they say they will. I have never been treated so poorly in all of my years as a consumer. The online statement varies from what they ask for on the phone. I had the account set up to automatically deduct the minimum payment amount and it took nearly 3 times the amount causing overdraft fees of nearly {$200.00} fees. I have spent no less than 80 hours of my life trying to rectify this matter only to be further frustrated to this date.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solidus Group LLC. (FL)

Left a detailed message on my husband 's voicemail ( attached ). Contacted a number of my other relatives sharing information about the alleged debt. Indicated that he was working with the XXXX XXXX Attorney ( who is actually the attorney for the XXXX XXXX XXXX XXXX, not involved in criminal or civil suits ). Alleged debt is fraudulent and has no basis.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TRANSUNION credit report. This is a request for a ; CREDIT REPORTING CORRECTIONS STUDENT LOAN IS REPORTED ON CREDIT REPORTING TWICE THERE IS NO XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX/XXXX/XXXX {$88.00} XXXX XXXX XXXX {$1200.00} XXXX/XXXX/XXXX {$88.00} XXXX Please remove these derogatory accounts PAID 5 YEARS AGO Account Name Balance Balance Date XXXX {$0.00} XXXX/XXXX/XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX {$0.00} XXXX/XXXX/XXXX
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

After being declined for rate adjustments due to job loss, I was shocked to see online that this same Bank of America put my account on escrow for my XXXX payment. Imagine my shock to see a payment due of XXXX XXXX! Delving in to the statement details, I noticed the escrow amount added. Funds I do not have in my checking account to be debited. 

Spent over XXXX hours total on phone with Bank of America today. First call, I was told escrow was added due to taxes being late. Excuse me, second half property taxes ARE NOT DUE UNTIL XX/XX/XXXX in XXXX XXXX. I was going to pay that on credit card. I received no notification, no special letter, no escrow analysis, nothing. Second call I made to escrow department ( after being transferred several times ), was told to check my online account, which I did on the phone with agent. Voila, no notification sent at all. If part of the loan mod, someone should add this to the documentation sent to me. And why this was not done the first time I applied for a loan mod XXXX  months ago? Can't have it both way.s This is a breach of my original loan agreement. I am agreeing, and still paying my adjustable rate mortgage which tripled this year and increased another {$500.00} XX/XX/XXXX, following the rules, being the long time good client I've always been, and I get pinged with escrow? I never have had escrow my entire adult life, nor was this part of the loan mod. Is the bank trying to get me to abandon my home? 

I am not attaching the statement of XXXX. XXXX with the escrow line item due to privacy on my loan number.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been a victim of identity theft. I have an extended fraud alert on my credit report. There have been numerous unauthorized inquiries on my credit report. I mailed letters to each of the creditors that are showing up on my report that I did not authorize but have not received a respons. I contacted Transunion by phone and by mail to dispute the inquiries and they refuse to remove them. These inquiries are affecting my ability to apply for credit. My complaint is with Transunion. Similiar inquires were showing up on XXXX and XXXX was very helpful in removing them right away.
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. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-10-28
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: Aldous & Associates, PLLC (MS)

Aldous & Associates is a third-party collector and I gave no one consent to contact me, they have harassed me several times. Threatening to sue me over the phone. No permissible purpose was given to this corporation on my behalf. They are violating my rights. I have sent in a debt validation request and demanded a response within 30 days, No response was ever given. They have been put on notice and had 10 days to remove the account from my consumer and FAILED to do, this is illegal. This company fails to respond to me.

15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
Consumer complaint received 2016-09-14
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (OH)

On XXXX/XXXX/16, I attempted to log into the Citi prepaid site to check my balance information for my XXXX XXXX payroll card. After several attempts to enter my password and getting rejected, I bypassed the login and entered my card details to see my transactions. I was extremely shocked to see that someone had made an unauthorized bank transfer of {$4900.00} from my account on XXXX/XXXX/16. I immediately called Citi Prepaid card services to report the fraudulent transaction. They placed a block on the account to prevent any further fraudulent activity and issued me a new card by mail. They informed me that the fraudulent transfer was made using a XXXX account of unknown origin, a bank I have no affiliation with. They told me to check back every few days to ask about the investigation, but that was it. They did n't offer to credit me the missing money or anything. I filed a police report the very next day and forwarded the case number to Citi by phone shortly afterward. As of XXXX/XXXX/16, Citi says my account is still " under investigation '' and although they issued me a new card, they refuse to remove the block on my account. They have already had 10 business days to investigate this matter ( my account is more than 30 days old ) and according to what I 've read on this site, they are supposed to credit me the missing funds while the investigation is ongoing. They told me the investigation could take 45-90 days to complete, and that they can not remove the block from my account while the investigation is still ongoing. In the meantime, I have bills to pay and no way to pay them. Talking to them Is getting me nowhere, and I am becoming very frustrated.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (GA)

Last year received a multitude of phone calls regarding an alleged debt. Company was asked to not contact by phone but to send a letter via snail mail with detailed billing information from alleged originator of debt - which was more than 10 years old.

Never received, continued to received phone calls, family members received same, asked them to stop again and send me the detailed info as asked. 

Continued harassment. 

Got a letter today stating if I paid the debt by certain days they would offer payment options. Tired of harassment, know that the original debt was partial paid and forgiven ( sent documention ) more than eight years ago, and didn't wnat anyone else bother. I paid online the first option. 

So sick and tired of companies like this ( and there are three involved ) getting away with bullying, harrasment, skip tracing and all sorts of stuff. I would understand if I was someone avoiding paying my debts, but I have never hidden from anyone. 

Times are hard all around and I am sorry for any debts I owe or have owed and have been late paying etc, but whenone has been partially paid and forgiven and there have been circumstances .. and to try and collect a decade later and be sneaky about it ... Shaking head, shameful.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/2021, I discontinued my auto insurance and USAA credit card with USAA effective XX/XX/2021. ( the end of the 6 month cycle ) On XX/XX/2021 they withdrew, what should have been, the last payment out of my checking account. However, they then took two more unauthorized payments out of my checking account on XX/XX/XXXX and XX/XX/XXXX. I sent USAA two dispute documents from my bank citing those two withdrawals. USAA has made all kinds of excuses but has not returned those two withdrawals to my bank account.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-11-20
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. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MD)

XXXX XXXX, 2022 : 30-day state of emergency, executive orders issued Maryland Gov XXXX XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified Discover Student Loans and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
Discover Student Loans is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC (SC)

My mother passed away from XXXX in XXXX. She had taken out a mortgage in XXXX of that year. The family was not informed until XXXX when The family care act was in force, served with foreclosure papers, when they were legally not supposed to until after the covid foreboding period. We went to court in XXXX of XXXX, the judge dismissed the foreclosure process due to the cares act being in force. I corresponded with the lawyer XXXX XXXX and they gave information so I could contact rocket mortgage company and try to work out something to keep my home. I inherited the home, moved in and is my current place of residence. Rocket mortgage conversed with me, refusing to give me information on my mother 's loan. I transferred the home and property to my name. I have been delivered foreclosure papers again on XX/XX/XXXX. Several injustices have been made against me. Federal law states that an heir can take over the loan without credit check and being of assignment of property rights in my name. Rocket mortgage company has not communicated with me at all since XXXX, regardless of my repeated request and attempts to get this matter resolved. I have also been wrongly treated because I was not informed of the interpretive rule, which is under mortgage company regulations for ethical practices. I have not received any monthly statements from them stating what payment was or willingness to help me with taking care of her mortgage. Rocket mortgage company stopped all communication from the moment they learned of her passing. I don't understand why they completely ignored the laws in place to help me, as an heir, to take over her loan and not communicating with me to help resolve this matter. All the communication I have received is being wrongfully served foreclosure during family cares act while covid was state emergency and now being served with foreclosure on XX/XX/XXXX. How can they do that with the way they have just cut off all communication. They never offered guidance or assistance with helping keep my home. I mean I have repeatedly tried to contact them regarding this and was told I couldn't get any information because of loan was in mother 's name. Now I know different because of the laws I have been reading regarding heir property and rights. Please let me know how we can stop this foreclosure process and get them to work with me on resuming loan in my name and set up a monthly payment schedule, which I have been denied to do previously.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX Experian and XXXX  are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.
Consumer complaint received 2018-08-22
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. (CA)

1. In a letter dated XX/XX/2018, I requested XXXX XXXX XXXX XXXX ( " XXXX '' ), my  mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX  and XXXX ; and 120 days late to TransUnion. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, XXXX 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, XXXX, and TransUnion credit reports on XX/XX/2018, well after XXXX 's deadline of XX/XX/2018. Again, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified XXXX that it had not placed a notice of dispute on my XXXX, XXXX, and TransUnion credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 

4. XXXX still has not complied with federal law. The late reportings are still on each one of  my credit reports and I want them removed.