davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Southern Management. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I pulled my report and noticed unauthorized inquires on my Transunion report. I am stressed to the max and need these unauthorized and unverified inquires removed immediately. Ive contacted the creditors and they advised me to contact your office on this matter. 

1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020 2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. XXXX XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2021-05-21
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: Convergent Resources, Inc. (CA)

I called this company calling itself Convergence Outsourcing to get this guy trying to collect on a debt I dont know if belongs to me. Of corse he got my information or had my information. I ask why they was reported fake addresses & phone numbers. Told him my social security number was used in prison system. I got pervert messages, ongoing XXXX messages sent to my cellphone. Their has been vandalizem to my vehicle & ongoing hit n runs on my vehicle.The culprits changed my DMV records to old addresses & left threatening notes on my vehicle. Using some kind of dynamic dialing system to hacking into my cellphone. Also they have sent my credit reports to unknowns addresses. They have threatened me with having my drivers license # & all my personal information threw text messages. Got into my car insurance policy online account. 
Had my vehicle reregistered in redding. I have disputed the same information they keep buying & addresses not mine, while someone is using my credit & buying & selling property changing my year of birth on my credit files. 3 companies that work for these culprits have same info. I gotten bags of default messages for a XXXX XXXX XXXX & hacking into my cellphone stealing data & following me stealing property out of my vehicle such as my handicap placecard & whatever I might have stored in my vehicle. My vehicle was starting without the keys & was taking to other towns without me. The culprits has cost me nothing but time & money harassing me threw my cellphone & threw the internet
Consumer complaint received 2021-05-21
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. (MI)

Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (DE)

Found out through XXXX XXXX there was a credit card account for XXXX XXXX that I knew nothing about. They have complete wrong information. The address, zip code and ssn does not match my information at all.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.
Consumer complaint received 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Have 27 unauthorized inquiries that are being reported by Equifax. Prior unauthorized inquired were deleted and received confirmation by mail, but still showing on website. Contacted Equifax which told me to do the process once again to file FTC report, which brought me back to reporting and going through this process once again.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA (TX)

My XXXX statement with Goldman Sachs is incorrect. On XX/XX/XXXX I received a refund for a transaction that I didnt want in the amount of {$10.00}, but when the XXXX balance is calculated I never received the amount refunded. They still charged for XXXX. When I asked their so called specialist, they agreed with me that there was an error but they were unwilling to correct it. I waited until the next statement thinking it would be corrected but the balance was never corrected. Plus the installments figures do not add up. They said the installments are XXXX but I only pay XXXX. Basically the statement is all wrong.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

My background check came back with 3 addresses I have not lived at. 

XXXX XXXX XXXX, IA I have NOT lived at. 

XXXX XXXX, XXXX, IN I have NOT lived at. 

XXXX XXXX, XXXX, KY XXXX I have NOT lived at.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Received a text message on XX/XX/21 from business claiming to be XXXX as follows : < # > ; Someone Just Ran A Background-Check 0n You Through A XXXXDatabase. Find 0ut  Who ; XXXX : XXXX Then on XX/XX/21 a text from someone claiming to be Transunion sent the following text : Re : TRANSUNI0N Has Placed A Temporary Hold On Your File For Unusual Activity. Resolve This Issue Here : http : XXXX I did not open the link in message and have not sent money/gift cards to anyone. I simply want to let someone know that I received these messages but have not been able to speak to a customer service representative at either credit reporting bureau to have them check on these messages.
Consumer complaint received 2021-05-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (OH)

In XXXX Ally Bank offered a 1 % bonus on all net new deposits ( XXXX XXXX XXXX ). I followed the steps and received the email indicating that I had registered for the bonus. I followed the link in the email and deposited {$25000.00} of net new funds into a 13 month CD in order to receive the 1 % bonus ( {$250.00} ). Per the terms of the bonus, I did not remove any funds until the holding period had passed. However, at the end of my CD term, I did not receive the bonus as a payment into my Ally bank account or as part of the final CD payment, which matured on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Ally via their secure messaging system on the website for information. I received a same-day response indicating that the email address I provided did not match what was on my profile. I responded that same day and attached the bonus signup confirmation email, which shows that I had received the signup offer to the same email address as my user profile 's email address. I received no response for several weeks. 

I contacted Ally Bank via their online chat service on XX/XX/XXXX to follow up to this issue. The representative made a note of the issue, but I did not receive any other resolution. 

I then contacted Ally Bank again via their online chat service on XX/XX/XXXX. This representative was able to research further. She noted that there were two different email addresses stored in the system ( my college email address and my personal email address ). However, on my user profile I can only see and update my personal email address ; the college email address appeared only on screens that she was able to access. Apparently the bank bonus system was checking against my college email address ( which I had used earlier in my 10+ year relationship with Ally Bank / GMAC Bank XXXX but had changed ), rather than my current email address shown on my user profile. As I have no way to update that college email address in any screen that I am able to access, it makes no sense to be held to that as the only email address valid for the bank bonus, especially when I purposely registered with the same email address that is currently shown on my Ally Bank profile. At the end of this chat the representative indicated that she would notate and escalate this case. I indicated that if I did not receive a response by XX/XX/XXXX I would be filing a CFPB complaint. I did not receive any further communications. 

On XX/XX/XXXX I filed this CFPB complaint.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (NC)

XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-06-01
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. (TX)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-20
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. (TX)

XXXX ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I received a call at approximately XXXX XXXX EST on XX/XX/XXXX from XXXX " Account Resolution Services ''. The woman stated that she was collecting a {$33.00} medical bill from a hospital visit in XXXX. 

I stated to her why I would not have any problem playing a {$33.00} bill, this is the first I had heard that it existed. I went on to ask why the original debtor did not send me any bill prior to sending it to the collection company? The woman was very rude as proceeded in stating that their company had sent me 3 statements. I stated to her that I do not have anything from them and continued to ask why if the original debtor is required to send me a statement before sending a bill to collections. Because I had received NOTHING. She became even more aggravated and told me that I should have seen in my insurance statement that they didn't cover everything. To which I questioned if it fell on my insurance company to bill me for what was not paid? I calmly ask again, is the original debtor required to send me an invoice and give me the chance to pay it BEFORE sending it to a collection company? To which the collector hung up the phone. 

I immediately called the number back and a man answered. I explained to him how I was just hung up on and requested to speak to a manager. He transferred the call to a voicemail, to which I left a message. 

I would hope that I have a right to be notified of and the opportunity to pay a bill PRIOR to it being turned over to these collection companies! Not to mention the manner in which Account Resolution Services handled my call was unexceptable.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

This complaint is regarding my escrow account. Mr. Cooper made incorrect disbursements for the XXXX  tax year and failed to return the excess amount totaling {$9400.00} ( details below ). 

There are four disbursements for the tax year XXXX : MUD taxes for the amount {$2200.00} dated XX/XX/2020 , County taxes for the amount {$5100.00} dated XX/XX/2020, Mud taxes for the amount {$470.00} dated XX/XX/2020 , County taxes for the amount {$1100.00} dated XX/XX/2020. 

The published appraisal/amount due in XXXX for County taxes and MUD taxes are {$1100.00} and {$470.00}, respectively. The disbursements made on XX/XX/2020 match these amounts owed. The other two disbursements however, in the amounts {$5100.00} and {$2200.00} ( for a total of {$7300.00} ), are not reported as received or processed by the county tax office after contacting them directly, yet remain deducted from the Escrow balance. These payments were mistakenly made on Mr. Coopers part and should be refunded to the account. 

This is my second complaint regarding the issue ( see Case Number XXXX which was closed without resolution ). Following this complaint, Mr. Cooper provided a ledger for the account which clearly showed disbursements made in the incorrect amounts IN ADDITION TO a remaining Escrow balance of {$2100.00} for 2020 totaling {$9400.00} ( the aforementioned value of {$7300.00} + {$2100.00} ) I would expect to be refunded. 

I have contacted Mr. Cooper via phone customer support 5 times regarding the issue with no replies ( I am told to allow 7-10 business days and have not received one reply ). I have contacted Mr. Cooper via online messaging customer support 3 times with no resolve. I have previously reported the issue to the CFPB which was closed pre-maturely. I have contacted a customer relations specialist for Mr. Cooper and their investigation team directly - I was told to allow 30 business days for a resolution - today marks 40 days. THIS IS UNACCEPTABLE.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/21, my son, who is a XXXX XXXX, was emailed a check for {$2000.00} and deposited it into his saving account at Wells Fargo. The person said that my son was overpaid and needed to send her back {$1000.00}. My son used XXXX to send that {$1000.00} back. On XX/XX/21, of course that check bounced causing his savings to go into the negative and consequently, he is out {$3000.00}. This whole situation was obviously fraudulent taking advantage of someone's trust. I went to a branch of the bank to discuss options and left feeling very undervalued as a customer. I expressed my concerns asking questions and the person just offered to close all my accounts for me. They said he is responsible to bring that account out of the negative fully and if not, they would pull money from one of the other accounts to do so. I was informed that if it wasn't paid back, his account and information would be noted with a banking regulator and he would not be able to get another bank account at other banks as well. I've been a customer at Wells Fargo for 25 years and carried a large amount of money in the bank. My immediate family has 8 different checking/savings/investment accounts in this bank. There are actions I feel the bank should have taken to protect it's customers in a situation like this. 1 ) This fraudulent activity isn't the first time it's happened with a bank like Wells Fargo. This was clearly suspicious and they should 'red flag ' certain accounts or even any check not coming from a regular income stream. 2 ) All of this money should not have been made available until the check cleared. Obviously this is a XXXX time and learning lesson for him as a XXXX XXXX  but the bank was neither helpful or sympathetic in the to situation.
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XX/XX/XXXX, 2021/XX/XX/XXXX, 2021/XX/XX/XXXX, 2021 and I have not received any response to this matter from XX/XX/XXXX, Transunion nor XX/XX/XXXX. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

EVERY single communication with Nissan XXXX, some of which are viewed by others in my email, begin with This is an attempt to collect a debt. My communication with them might have nothing to do with collecting a debt calling about a problem, trying to arrange a payment schedule on a certain day of the month, but every single time they say This is an attempt to collect a debt. This is in every voice communication with them and in every email. This is harassment and an invasion of my privacy.
Consumer complaint received 2021-05-20
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: Fleet Financial, Inc. (MO)

On XXXX XXXX I received an email from iLendingDIRECT stating that I had been declined credit and that they had pulled my credit report for their review. The issue at hand is that I never applied for credit with iLendingDIRECT and had never applied to refinance my vehicle as they stated was the purpose of the loan. I contacted the company demanding a retraction on my credit report, and inquired as to why they would pull my credit without my permission. After blocking my emails initially, I was phoned twice, the first time to speak concerning the issue, the second to extend an offer for credit, I have the voicemails of each saved, remember they already declined me the day before. I wrote again explaining I needed to be contacted by email for hearing reasons. Since then I have received several emails blaming some other company I had never heard of and denying any responsibility for pulling my credit report as their letter clearly states they did.