davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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. (TN)

To Whom It May Concern : I had submitted multiple disputes in regards to a duplicate account that TransUnion has failed to investigate. 


I recently received a copy of my Transunion credit report. The credit report showed that there was more than one account with XXXX under various company names. My records show that I have only one account and it's XXXX and not XXXX. Both accounts share the same account number. 


The following is a list of names and account numbers that I are duplicated. This is the exact reporting of the data. These variations of account names and numbers give an appearance of more than one account. 

Duplicate Account Names Duplicate Account Number XXXX XXXX XXXX XXXX Please take what steps are necessary to report the one account that I have with the creditor and delete the other one. This reporting error is negatively affecting my credit rating. 

Please correct this error as soon as possible. Please send me notification when it has been corrected since it is negatively affecting my credit. 

Thank you for your help. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-10-03
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

On XXXX XXXX of 2015, I sent XXXX XXXX dollars to a friend of mine in XXXX ; that same day he tried to get the money, but was unable to get the money because they said that he needed to fax his picture ID, and when he tried to do so, they told him that the fax number was not correct. He was unable to get the money, then he tried again the following day but still he was n't able to get the money. On Wednesday I called Western Union and asked for my money back, they kept transferring me to a different person and later hung up on me. On XXXX XXXX I went to the place that represents Western Union and told me that my routing number did not exist.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian on a number of occasions to inform them that US Dept of Education Account is reporting inaccurately 3 times on my credit file. The account is showing Derogatory status and this account is currently being paid as agreed. I will like for them to change this derogatory status. The account is showing as KD and it is not. I am paying them every month ontime according to their payment agreement.
Consumer complaint received 2022-02-05
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. (NV)

I submitted a letter by mail XX/XX/2021 asking for a method of verification on an unduly inaccurate collection account reporting to my credit. The company failed to provide me with a method of verification within 30 days of receiving this request
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (AL)

I have previously reported to American Express that I applied and received a credit card with them, which I did, and enjoy using.

However, I only did one application, but my report is showing two credit checks.

They previously stated only one was credit check was initiated, and to contact them if I had any proof showing otherwise. I mailed a response letter, a copy of my credit report, and their response letter to the address listed in that letter, via certified mail on XX/XX/XXXX. It was delivered and signed for a few days later. 
I have received no response, and the two inquiries are still on my credit report. This is inaccurate reporting and needs immediate attention, and correction. 
One inquiry is listed as American Express and was on XX/XX/XXXX through XXXX. 
The other inquire is listed as American Exp and was on XX/XX/XXXX through XXXX
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have sent EQUIFAX a cease and desist, affidavit of truth and bill of particulars on XX/XX/XXXX. I have let EQUIFAX know that they are breaking federal law and violating my consumer rights. EQUIFAX is still reporting NEGATIVE accounts on my consumer report with my written consent.
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CO)

On XX/XX/2023 I set up a " XXXX XXXX for XXXX. XXXX, 2023 XXXX. XXXX, 2023 '' for {$100.00} direct deposit to XXXX XXXX. Fund was withdrawn from my business checking account on XX/XX/2023 " Square Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. On XX/XX/2023 I received an email saying my account has been " deactivated ''. " Please note that any funds that were debited will be held for a period of 60 days. If youd like to receive the funds sooner, please reach out to your bank for their funds return policy. '' It's now XX/XX/2023. I have reached out on multiple occasions after the 60 day is up to request a refund, beginning on XX/XX/2023. Square has NOT RESPONDED at all to any of my communications. I believe Square is basically stealing my money at this point.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

There is inaccurate information reporting on my Experian credit report. I have submitted several disputes online and by mail in regards to this inaccuracy, but Experian has refused to completely correct the problem, and it seems the company is playing with or " trolling '' my credit score, changing it every couple of weeks by almost XXXX points. A company called XXXX XXXX is continuing to report late payments and affects my credit score as if it is an open account. The account is not my responsibility the account was open at a time when I was in college, living with multiple people who may have had access to my information. I have contacted XXXX XXXX to obtain the documentation that would allow me to figure out who may have opened this account, but XXXX refused to provide me with any documents that show I did legitimate business with them, and refused to stop reporting this false information. The account is so old its status should be a closed account in collections. 

On my Experian credit report it says : Account status : Closed Date opened : XXXX XXXX, XXXX Account type : Unsecured Loan Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor & XXXX ; XXXX internal collection department Status date : XXXX XXXX Past due amount : {$390.00} Original loan amount : $ XXXX Monthly payment : - Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calendar chart on my credit report has marked C for collection since XX/XX/XXXX. Although details of the account clearly show it should be categorized as a Collections account, XXXX has continually sent new late payment notifications, despite my numerous attempts to contact them. Experian still treats the account as open, even though the contract has clearly closed and is supposed to be in collections. I have disputed this issue with Experian and XXXX numerous times, to no avail. Just in the past 2 months, Experian has used this account to drastically change my credit score multiple times. Most recently, on XX/XX/XXXX, Experian raised my credit score to a XXXX and completely took the account off of my credit summary. However, when I viewed my entire report, the account still inaccurately appeared. On XX/XX/XXXX I contacted Experian by phone to begin a new dispute, but rather than properly erase the information, Experian deducted XXXX points, notified me I had a " new late payment '' and my " payment history rating dropped '' the very same day. I have dealt with the same issue several times since XX/XX/XXXX.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I signed up for a Citigold checking account ( from Citibank ) based on a promotion that I was targeted for. Once I met the requirements, I was to be credited XXXX XXXX XXXX points. The day I met the requirements, I sent Citibank a secure message asking them to confirm that I had met the requirements and I would be credited the XXXX XXXX XXXX points. Citi confirmed this, and said I would receive the points when my statement closed XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received the points. Every time I contact someone from Citibank in regards to this issue I get a different story. The first time, they said that I needed to provide them with my XXXX XXXX account number. After I provided them with the number, I still did not receive the points. I called in again a few weeks later, and was told by a supervisor ( XXXX ) that the case was still under investigation and I should hear something at the end of the week. I did n't hear back, so I called them again and spoke to a man named XXXX ( call center rep located in XXXX, employee ID number XXXX ) on XXXX XXXX and he confirmed that I would be receiving the points in " either two days or at the beginning of my next billing cycle ). He had also confirmed that Citi 's back office had confirmed that I was targeted for the offer. It has been several weeks later since XXXX XXXX. My billing cycle has ended, and I still have not received the points. I reached out to Citi again today ( XXXX XXXX ) and they still do n't have an answer for me. I 'm sick of the run-around and they do n't seem to care about giving me what 's promised. I have attached all supporting documents that I could find. Please help. Thank you.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (LA)

I received a letter in the mail stating that I owed XXXX {$810.00}. The account is under my married name is XXXX. I am divorced and went back to my maiden name which is XXXX. I asked the representative to give me information about the account. She verbally told me the dates of service, name on account, address, and phone number. I asked for validity of the account to be sent to me. The representative stated that she would send the documents for validity and that I would have to fill out documents for an Identity theft victims complaint and affidavit form. I only received the Identity theft victims complaint and affidavit form. I called Afni ( the collection agency ) this evening and I was told a different story about the validity of the collection. I asked for an extension on filing out the Identity theft form and I was told she did not know how to request that but she would document it in the notes. I expressed that I was not paying a bill from XX/XX/2012 that I do not recall and that is why I am requesting validity. She said she would document the statement. This Identity theft form wants me to put a fraud alert on my credit files and file a police report. I am not willing to do this especially when I do not even know anything about this bill.
Consumer complaint received 2023-05-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

My father passed away on XX/XX/2023, and I contacted the reverse mortgage company on XX/XX/2023, to get a payoff quote. I was told it would take XXXX to XXXX hours to receive the quote and asked for it to be dated to the end of the month. That should have given me about XXXX days to receive and process the payoff to them. They waited until the XXXX of the month to send me the quote which was due on the XXXX. The quote I received from them contained XXXX worth of bogus fees consisting of : XXXX for an appraisal that did not occur, XXXX for title examination fee, and XXXX for property inspection. All of this to pay off a home equity line of credit with a total outstanding balance of XXXX. They also told me that paying off the balance would not generate a paid in full letter or any other kind of release documents. They said I would have to call back for those. The company did order an appraisal which I rejected when I was contacted to schedule it by a random person in my area. I'm not sure what kind of title examination that was required on a property that owed less than XXXX and there has not been a property inspection. Suspecting that this company would use as many unscrupulous methods as possible to squeeze every dime out of my father 's XXXX, I wired a XXXX payment shortly after I requested the payoff quote, which should mean that they owe me money and they have yet to credit the account with the XXXX. Because I've previously been through a different situation with this company which wasted months of time and hours on the phone, I decided to go ahead and file this complaint sooner rather than later.
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

We refinanced with XXXX in XX/XX/XXXX. As part of our closing, they insisted on paying our property taxes that were due by XX/XX/XXXX. So the title company for XXXX  ( XXXX XXXX XXXX ) paid our property taxes at closing ( receipt attached ). Shortly thereafter, our mortgage was sold to Specialized Loan Servicing. Specialized Loan Servicing then sent in a check to pay our property taxes AGAIN. The website shows they issued the check to XXXX XXXX on XX/XX/XXXX for {$4900.00}, which left our escrow account firmly in negative territory. I tried calling them on XX/XX/XXXX when I realized their mistake, but could not get through to the escrow department. It kept disconnecting me. I got a hold of a live person by going to the payment division, and the rep confirmed that the phone lines for escrow were down and to call back another day. He suggested I contact XXXX XXXX in the mean time to see what happened with the payment. I called XXXX XXXX MO XXXX XXXX XXXX, who confirmed that they had indeed received the check from Specialized Loan Servicing, but as the property taxes for our account had already been paid previously on XX/XX/XXXX by XXXX XXXX XXXX, they sent the check back to Specialized Loan Servicing without depositing it in early XXXX. In the mean time, I sent an online message to Specialized Loan Servicing to try to rectify the situation since their phones were supposedly down. All I received was a message to call them. Not helpful. As they have limited hours, I had to take time off work on XX/XX/XXXX to try to get a hold of someone again. Finally did. She said they would " research '' it and to give them XXXX business days, even though it had been at least a week since they likely already received the returned check. It has now been XXXX weeks since my phone call to them and nothing has been done. I am extremely concerned about our money at this point, as their online reviews are awful. We didn't have a choice as our mortgage was sold to them, so it is important that someone is watching over their business practices. They have STOLEN {$4900.00} from our account.
Consumer complaint received 2022-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-05
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: OneMain Finance Corporation (IL)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by ONEMAIN ( XX/XX/2021 ), and I have no recollection of doing any business with ONEMAIN. I contacted ONEMAIN, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my
creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2015-10-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo Bank ( WFB ) placed a hold on a {$2000.00} payment I made to my WFB HELOC on XXXX XXXX, 2015. WFB removed the hold. Then, on XXXX XXXX, 2015, WFB placed a NEW hold on this payment. I have complained in person and on the phone EVERY day to no avail. The payment is XXXX of XXXX payments I made from my XXXX account through XXXX Bill Pay between XXXX and XXXX 2015. I have never been late or in default on this loan in ANY way. I have NO mortgage or liens of ANY kind on my house other than this HELOC, which represents LESS than 10 % of its current value. I am afraid to make any more payments, but if I do n't, WFB will foreclose. Please help.
Consumer complaint received 2022-02-04
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: CREDIT ACCEPTANCE CORPORATION (MI)

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CREDITACPT XXXX Balance {$0.00} CREDIT ACCEPTANCE CORP XXXX Balance-
Consumer complaint received 2022-02-05
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. (IL)

Letters amongst letters were sent out to this company for reporting this to my credit report unknowingly and unwillingly to my knowledge, while also being inaccurate. To my common knowledge I haven't heard anything back from them making me feel as if they are completely disregarding my request. This is bringing upon stress into my life while also financially holding me back. In section 611 ( a ) it states failure to investigate these items within 30 days causes for immediate deletion. It has been well over 60 days and I have received no response. I want these files to be deleted immediately or i will file for litigation.
Consumer complaint received 2022-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, XXXX recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAP ONE XXXX XXXX XXXXXX/XX/2021 ), and I have no recollection of doing any business with CAP ONE XXXX.I contacted CAP ONE XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my XXXX XXXX is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next XXXX weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2022-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (AZ)

I received a mailing notification dated XX/XX/XXXX, stating that I have an outstanding auto debt of {$8.00}, XXXX from XX/XX/XXXX. I have no outstanding auto debt and my credit report backs this up. The letter states that I can dispute this debt 1 of 3 ways. To call them, write them a letter, or notify them electronically. 

I called on XX/XX/XXXX @ XXXX and after holding for a little while, I was automatically transferred to a voicemail and asked to leave a message. I left a detailed message including the reference number listed on this letter, my full name, and return phone call. No one has called me back. If they say they made an attempt, that is false because I have had no voicemails left either. 

After no response, I went to their electronic option at www.syncomcorp.net/company/contact us and filled out their dispute section there. This was done on XX/XX/XXXX @ XXXX. It is XX/XX/XXXX, and I have not received any outreach from this creditor. 

There is a statement on this letter that says Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. ( I dispute it all ). If you do not, we will assume that our information is correct. Well, I have tried 2 of the ways this company says to dispute this debt and no one from this organization has reached back out to me. I do not want this showing up on my credit report and this debt collector accusing me of not responding or disputing this.