davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MS)

Follow-up Documents to Complaint XXXX / Scam Alert?? 

As previous mentioned, I want answers as to how my mortgage was placed under Bankruptcy when I, the sole owner has not filed bankruptcy!!?? My XXXX mother lives with me. She has filed for bankruptcy. She is not listed on any documents related to my mortgage. However, Flagstar has placed my home in their " bankruptcy department ''. They are also charging me for " Legal action and fees ''. Why? If they had searched public records they would have known this was an error. I am starting to think this is some kind of scam ( place accounts under bankruptcy, then charge owner for " Legal action and fees '' ).
Consumer complaint received 2017-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Acquired Assets, Ltd. (CO)

My name is  XXXX   XXXX  is  XXXX   XXXX  I entered into an agreement with a Reservation System for use by my company  XXXX   XXXX   XXXX . After setting up this system I was informed that I must use  XXXX   XXXX   XXXX  who operate  XXXX  a system for processing credit card payments.   However I was not happy with any of the systems thus I cancelled everything with the  XXXX   XXXX , the Merchant Services which includes  XXXX  within weeks of the original set up date.    XXXX  continued to collect money from my  XXXX   XXXX  Bank Account, I telephoned them every month to complain saying that my account with them had been cancelled they finally they told me to put my cancellation in writing which I d id ( letter a ttached. ) I made a complaint to my bank  XXXX   XXXX  and they told me that they could not do anything to help me.    XXXX  continued taking money from my account until I eventually decided to close the account and move to another bank.    XXXX  sent my file to a  Collection Agency Allen and Associates who tele phoned me and threaten me with "  ACTION  '' if I did not pay up. They sent me a letter dated  XXXX   XXXX   XXXX  to which I telephoned in response spoke to  XXXX   XXXX , who told me that they have documents proving that I owe money. I asked her to send me copies of any documents showing that I owed an money. I have not received any further communication from them until I hear from  XXXX   XXXX  that my credit record had been compromised.   I disputed the charges with  XXXX   XXXX  and have their letter in repl y ( c opy letter attached )
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

On or around  XXXX  of  2017 , I discovered that someone opened up an account with  XXXX  using my personal information. The way I found out was because my phone services with  XXXX   XXXX   XXXX  were disconnecte d one da y. I called  XXXX   XXXX   XXXX  and asked them why. They told me  XXXX  requested my account to be terminated.  XXXX   XXXX   XXXX  tried to help me by calling  XXXX  on a  three  way call. We spoke to  XXXX  and told them I did not open an account with them and that I have been a customer of  XXXX   XXXX   XXXX  for 12 years. After clarifying to  XXXX  customer service that someone pretending to be me opened the account with bad intentions just to make my life difficult, they underst ood ( so they told me ) an d told me they would close out the account.  Three  months later I received a notice from a collection agency trying to collect a debt I did not owe in the amount of {$300.00} on behalf of  XXXX . I tried to resolve the issue with them and did not hear from them anymore. Now I get another collection notice but this time from a different collection agency attempting to collect a debt they claim I owe with  XXXX . The agency 's name is AMSHER COLLECTION SERVICES, and the amount they are trying to collect is {$180.00}. Now  XXXX  is trying to collect a smaller amount than before. I have called  XXXX  to try to resolve to no avail. They just keep assigning the account to different collection agencies. I spoke to  XXXX  on  XXXX   XXXX ,    2017  and spoke to  XXXX   XXXX   XXXX   XXXX  and said that the collection agency AMSHER was not notified of my  XXXX  balance and that they will notify them immediately. I am not convinced that this will be the case which is why I 'm filing this complaint to protect my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2017-08-30
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. (GA)

These three charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Closed : XX/XX/XXXX
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have tried numerous times to get Experian to update my payment history with XXXX XXXX XXXX   XXXX. No one has been able to help me. Can you please update my account as this is affecting my credit in purchasing a new home for my kids. 

thank you.
Consumer complaint received 2017-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

CIT Bank is denying access to my new online savings account. CIT Bank is heavily advertising its online savings accounts, especially on the internet. It is offering incentives for new accounts ( {$100.00}, if {$15000.00} or more deposited for three months ). I opened an online savings account on Saturday, XX/XX/XXXX and deposited {$100.00}. I received an e-mail on XX/XX/XXXX stating, " Your new CIT Bank account has been approved and is now activated. '' That same e-mail said, " To view your account online, click here. When prompted for your Online Banking ID and password, please use the same information that you created during the application process. '' However, when I click on the link, I end up in the endless of error messages, " Either your Username and/or Password do n't match our records or your account is locked. 

I sent an e-mail to CIT Bank that said, " I am trying to verify my account with the micro deposits placed in another bank account. Your computer system will not let me access my CIT account. '' I am dissatisfied with CIT Bank 's reply, " Thank you for contacting CIT Bank. For assistance with Online Banking information please call our Customer Contact Center at ( XXXX ) XXXX Mon-Fri XXXX ET, Sat XXXX ET and Sunday XXXX ET. We are here to help! Please let us know if we can be of further assistance. Thank you for choosing CIT Bank. '' I do not have time to phone CIT Bank during workdays. I am not home by XXXX XXXX. PT ( XXXX XXXX. ET ).
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

I have been working with XXXX XXXX and XXXX XXXX on my mortgage and mortgage closing. The two have been unresponsive in my requests to acquire the closing documentation ahead of the date. I have asked for all of the closing paperwork in writing 4 times and have received nothing. I have also tried calling but neither answers their phones nor do they return my calls. The closing is tomorrow and we are trying to keep it short given the pandemic but that won't be possible now. I have never had issues getting this paperwork in advance before.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My auto loan has been open since 2012. Equifax has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XXXX 2014 4. Is current and paid satisfactory according to Bank.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

for some reason I have 18 to 20 unknown inquiry 's on XXXX, Equifax. and XXXX  credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..
Consumer complaint received 2017-08-29
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. (MD)

From XX/XX/XXXX2016 - XX/XX/XXXX2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2017-08-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Benworth Capital Partners LLC (FL)

The company XXXX XXXX in XXXX, Florida responded only to refinances in complaint # XXXX. This was not a refinance it was a purchase. Not only did they refuse to respond to anyone regarding the question at hand. They also tried to overcharge the client with a closing fee of {$950.00} and attorney fee of {$450.00} and a doc prep fee of {$450.00}. 

I would like to know when someone in our government is going to do something about the affiliation of Real Estate Offices and Mortgage Companies with Title Companies and or Attorneys. It is ridiculous on how this can continue on. It actually does no justice for the consumer at all.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 has violated my rights.

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 a
ny 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. 1681-2 ( 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 2021-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I used PayPal to purchase what I thought was a sanitizing vacuum/mop from XXXX at the beginning of the outbreak of Covid-19. After two months I still had not received the merchandise and I contacted PayPal to notify them of the issue. They gave me the run around so I filed a dispute with my bank ( XXXX XXXX XXXX ). A few weeks later I received the merchandise but it was NOT was I ordered at all. They sent a child 's plastic piece of junk! Immediately I contacted my bank and told them about the junk I received. After several months of back and forth my bank notified me that they could not get my money back from the merchant 's bank. This was after they told me that if I returned the item they XXXX XXXX XXXX did not see why they the merchant could not give me my money back. After I paid {$70.00} dollars to send the item back I had to argue with the merchant to give me my refund back. They refused for months, until XX/XX/XXXX of this year they agreed to return my money. Then they sent me a notice that said they could not refund due to a non existing chargeback. I received another email of " proof '' this morning stating the same thing. They assure me that PayPal can return my money and PayPal says that they can not. All I know is that XXXX should be held liable for marketing fraudulent companies, and PayPal as well for not protecting the consumer from fraud. I have told everyone I know to NEVER use PayPal or buy anything they see on XXXX! Both of these companies should be ashamed of themselves!
Consumer complaint received 2024-09-11
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)

On XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Stop ignoring me. I have been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After carefully reviewing my consumer report, I have noticed that XXXX has been reporting an account to my consumer reports. I did not give you any express permission or permissible purpose to report anything on my consumer reports. As a consumer, I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information should remain my private business, and student loans are considered my private information. Your company reported my private information without my consent which constitutes aggravated identity theft due to the fact that I did not give you permissible purpose to report any information on my consumer reports. As a consumer, you XXXX have an obligation to protect my personal non public information. 

Section A of this law 15 U.S. Code 6802 is saying that your company, XXXX, is not obligated to report or disclose any nonpublic personal information to a third party company such as a consumer reporting agency. A third party consumer reporting agency has no affiliation with your company XXXX ; therefore, you are not required to disclose any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Nonpublic information consists of my name, my address, my account, or account number. This is not public information.
Consumer complaint received 2024-09-12
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. (FL)

t has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.
Consumer complaint received 2017-08-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

My second mortgage was involved in a Chapter XXXX bankruptcy and was discharged in X/XX/11. The note was originally with Countrywide and then Bank of America picked it up then It went into chapter XXXX bankruptcy due to I became XXXX After the bankruptcy I continued to pay both mortgages. I decided to refinance both mortgages with Bank of America and they only picked up my first and I asked them why did n't they include my second and they told me " Mamm, we have to take care of your first mtg first, then we will take care of your second '' but instead, they service released it to XXXX. XXXX told me they could n't help me. Then I rec 'd a phone call not a letter and was told XXXX XXXX has the second mortgage now, at this point I am not sure what is going on with the 2nd mtg. My credit report states I have a XXXX balance owed on that original loan number but it keeps getting reassigned a new loan number. If XXXX XXXX still has the lien on my property I would like to know what the balance on the lien is? And what the balance on the 2nd mortgage is since it was involved in the Chapter XXXX bankruptcy. What options are available for me to resolve this issue? XXXX XXXX offered to settle for {$15000.00} but of course I could not come up with that amount. At this point I am not sure I am dealing with a legitimate company or a scam. It keeps getting reassigned with new loan numbers.