davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have a first mortgage with Fifth Third Bank, XXXX, Ohio. I am in a flood plain and purchased flood insurance in an amount exceeding the bank 's interest in my property. Fifth third has chosen to force place additional flood insurance on my property to cover a second mortgage line of credit that does not exist ; in effect insuring a phantom bank product. I have informed Fifth Third at their XXXX XXXX  branch both verbally and in writing of this error in both XXXX and XX/XX/2020 ; and Fifth Third 's Insurance department in XXXX, Ohio also in XXXX and XX/XX/2020. Correspondence from Fifth Third 's insurance dept are not signed personally ; only signed " Fifth Third Bank Insurance Department ''. Fifth Third Bank 's correspondence is signed " XXXX XXXX, XXXX XXXX XXXX ''.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau XXXX XXXX, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.
Consumer complaint received 2020-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

The loan servicer has failed to pay out of the escrow account money due for annual water and sewage tax. As requested we have scanned and e-mail the bill to the loan servicer on XX/XX/2020. They have failed to make the payment, we have called at least three times to try and get action taken without success. We are now late for this payment. The Company is LakeView Loan Servicing , LLC ( XXXX ) the loan account number is XXXX. The trouble ticket number is XXXX XXXX # XXXX XXXX.
Consumer complaint received 2021-06-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Some one please help me. I have viewed my credit report and saw some inaccurate accounts, so I sent in my disputes to the credit bureau as is my rights. As of now they have not responded whatsoever and this is really affecting my opportunities. This is beginning to feel deliberate and with so many people in this country why would they target me? I have done all that I know to do. I have even researched the laws about this which is why I am filing this complaint. The laws said that they have 30 days to investigate but that timeframe has come and gone. The laws said that they should send me results of their investigation, but I have received absolutely nothing from either credit bureau in regards to " any '' of my letters or concerns. I am frustrated that they have the authority to report wrong information, yet have the audacity to blatantly ignore my disputes about the way they are falsely representing me and my interests. This is my life and they may not care, but I take this matter very seriously! I demand that the inaccurate items in question be deleted at once.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (LA)

Been trying to pay my card but they will not let me change my phone number so I can pay it ... They do not have a physical place to go, cant help over phone or on the internet ... They say they sending a confirmation in the mail but dont ...
Consumer complaint received 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account with XXXX XXXX is OPEN! I've filed multiple disputes and uploaded proof. I received a credit line increase on a closed account? Instead of questioning them, as you should, you continue to report the account closed. Here 's a thought ... actually look at proof, and, hold the reporting entity to some regulation, such as, just a thought, that they need to prove what they report, and, show proof if different from what the consumer supplies.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I notified Experian thats on or around XX/XX/XXXX that these items on my credit report marked as hard inquiries are mot true & that they be removed I have yet to hear from Experian and the items have not been removed I am filing that these items be removed at once those items are 1. XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 5. XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 6. XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 7. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 8. XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 9. XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX 10. XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX oval date : XX/XX/XXXX XXXX
Consumer complaint received 2020-11-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-11-12
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: CBC Companies, Inc. (TX)

( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$29000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

I have requested Validation on a collection being reported on my XXXX  credit report by National Credit Adjusters Account # XXXX, I sent a letter certified mail asking for Validation of this debt XX/XX/2020 and received no response I have also filed a complaint with The XXXX XXXX XXXX Complaint ID # XXXX to again try to ask for Validation from National Credit Adjusters it has been over 30 days and have not received a response.
Consumer complaint received 2020-11-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Credit Card Receivables Fund Incorporated (CA)

I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. 

Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. 
What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement.

PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. 
Thank you! 
Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO XXXX XXXX XXXX AS WELL AS TO UNIFUND ( so UNIFUND can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this complaint because TransUnion is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. It is my right to get this account deleted from my report. This is affecting my financial and emotional life. 

TransUnion must stop reporting this account as soon as possible. Please see attached proof of case won.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MI)

on XX/XX/20 at XXXX I contacted Macys XXXX started bring account current and they will remove negative. Contact credit department after 48 hours of bringing account current XXXX 9-5. I contacted them several time by phone and mail
Consumer complaint received 2020-11-12
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/2020 I reached out to Capital One/ Walmart Card about a late payment on my credit report as I notice I was late I immediately paid the entire balance and contacted Capital One to ask if they could remove the late payment and offered to setup automatic payment to avoid this from ever happening again and got nowhere over the phone so I sent a good will letter and still no answer
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I have reached out to this company many times and have not received anything. They say my complaint " deemed frivolous or irrelevant ''. Which I find disrespectful and deeming to me as a person. I sent an email for two individuals on the executive team to discuss the situation as the person who responds to these complaints is not professional and talks down to me as I am stupid. I have requested contact from the company with no response other than just applying it to my credit and destroy my livelyhood.
Consumer complaint received 2020-11-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of this year, I disputed with my credit card company Capital One two charges for two trips ( for me and my partner ) a group trip to XXXX XXXX with the company Flash Pack that was cancelled two days in. I submitted all paperwork requested and after months, the credit card company denied because XXXX XXXX provided a voucher ( which I argued at that time they would not be able to fulfill ). On XX/XX/2020, XXXX XXXX notified me that they are insolvent ( bankrupt ) and all future trips are cancelled and the voucher is not valid. Capitol One refuses to do another chargeback, open a new dispute, reopen the prior dispute or help in any other way. The total for both trips is {$6100.00}. I have no other recourse for a refund except through Capital One -- trip insurance has denied and XXXX XXXX is bankrupt and can not give me a refund. I am certain Capital One could do a second chargeback using a different code. Not only were they unhelpful, they also were rude and not empathic to this situation.
Consumer complaint received 2020-11-12
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: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-11-12
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. (GA)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to ensure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

I opened a dispute with Experian, and my e-OSCOR codes ( or reasons for dispute keep getting changed or modified ) Experian reported back a change to Report Number : XXXX ( XXXX XXXX ) the report shows two ( 30 days ) late payment in XXXX and XX/XX/XXXX. 
There are only 28 days or 29 days in XXXX. When requested the pay dates according to XXXX Experian reported payments were made on XX/XX/XXXX, and XX/XX/XXXX, XXXX that is exactly 28 days which is less than 30 days. 

Pointing out the error, Experian 's employee stated if it is one day or 30 days late the company can put the incorrect information on my report. After i corrected the employee, I was immediately hung up on. Today XX/XX/XXXX phone calls was disconnected three times when speaking to Experian.
Consumer complaint received 2020-11-12
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. (NY)

My XXXX is reporting with a thirty days late remark. TypicallyI always try to pay on time and I don't have late remarks anywhere. However, this time unfortunately as a result of XXXX  XXXX which I have severely suffered through I've earned a late remark.XXXX at the time has followed the CARES act and extended the time for payment upon request which I was not capable of doing at the time. Should I've connected XXXXat the time I would've gotten an extension and avoided this remark. ThereforeIam kindly requesting that the remark be removed to rectify the damage it's causing me now while shopping for a mortgage. 

Please get it resolved as soon as possible. 
Thanks in advance for taking this into consideration and for the opportunity to share it with you.