davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CO)

Around XX/XX/2019 I was in XXXX for a month and had to go to the XXXX XXXX Hospital. I saw a nurse and got an XXXX and that was all. I signed documentation for free health Insurance and medical bill coverage because I was not a resident and under the age of 21. I submitted it to the front desk at the hospital and she said I was good to go. A year later I was put into collections for XXXX $ under CRME FINANCIAL SERVICES they did not disclose any account information to dispute it or to pay it off. When I called the collections agency he told me I am being charged for an XXXX and to see a doctor. However, I only saw a nurse and got an XXXX  Plus I signed documents for free medical and financial Assistance for the medical bills and was given no information about an account or remaining balances.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (CA)

My background checks says that Im XXXXXXXX XXXX but there are no reportable records or no name match. So how does that make sense. Ive never committed a crime in my life. I want all this to be cleared
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i sent XXXX, Transunion a total of five disputes now, all sent certified mail with receipts. They have failed to do a proper investigation into these accounts. They keep sending me papers saying either " UPDATED '' or " VERIFIED '', i have asked multiple times to send me proof of how they verified these wrongful accounts and they ignore me. per the FCRA they must send me proof of verification including who they talked to when how and documents that support these claims. i have now sent them a last letter telling them i will be seeking legal action if they dont fix these items or show me proof of how they are verifying these accounts, i know they cant be actually verified because these supposed accounts wont even speak to me since my ssn doesn't match any records they have on file. they are now claiming they will not re investigate without any further documentation that supports my case. How am i supposed to send them anything or proof of my case if i never had any accounts with them! i haven't missed any payments on any of my other accounts now my credit is taking a false hit! totally unacceptable.
Consumer complaint received 2020-08-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (WI)

So I was a customer of US Bank XXXX XXXX for 5 years. Never really had any major issues other that my month to monthly payments changes the first couple years cause they didnt get the escrow right. The way I set up my account through them they were 100 % on charge of paying the property taxes. In my city you can pay in full or 2 different installment plans. They decided it was easier for them to do them 2 installments. My issue you is I found a way better interest rate with different Mortgage company and during that process of refinancing the 2nd installment of property taxes were gon na come due the month after I refinanced and my previous company ( US Bank ) did not send that info to my new company, when trying to figure out the problem with the property tax they are putting the blame on me when they are the ones in charge of the taxes. They 100 % new they only did the 1st installment and will not take any responsibility for notifyingthe new company of qhen the 2nd installment was due. Now I have a {$1100.00} tax payment I have to pay cause they were not on top of there game.
Consumer complaint received 2017-06-15
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. (AL)

SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.   XXXX   AND EXPERIAN HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   XXXX   XXXX   XXXX  NEVADA  )    XXXX     XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND EXPERIAN. AND   XXXX   XXXX   FROM  XXXX
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

They are asking me to pay money of XXXX dollars to get confirmation number and then open a dispute. 
When I try to call them they direct me to different departments, order, care and complaint. This has been happening for the past 1 year. 
If I try open an online dispute, they say they can not currently process it but ask me to call them and again the same process.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

My husband passed away and I am trying to sell out marital home. To my horror I was just told that XXXX XXXX XXXX XXXX acquired by Bank of America, NA in XXXX failed to discharge an equity line of credit of that was paid off during a refinance in XXXX. I am beside myself as I need to sell this property as expeditiously as possible. My husband 's name was XXXX XXXX XXXX. To the best of my knowledge we were both listed on the mortgage. After my husband passed away I shredded a lot of documents and can not locate any original documents related to this mortgage. I am now under contract with the house and need clear title. Please help! <P/>Thank you for your prompt assistance in this matter.
Consumer complaint received 2020-08-27
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: Rausch Sturm LLP (MD)

I have been calling and trying to get resolution from this account over a year. My card was stolen and used. They only provide a statement as proof. They have passed this account off so many times. Its all illegal. I contacted them and was called back my their attorney XX/XX/XXXX @ XXXX XXXX XXXX she stated that she would resolve this matter and get back to me.i heard nothing. As assumed since the games and paperwork never get to anyone and they no nothing. I contacted again XX/XX/XXXX @ XXXX and spoke to XXXX XXXX and he said I cant talk about this account or help you. I will seek legal action At this point its all a runaround. They also act like they dont know case references numbers. No one takes responsibility it says XXXX XXXX XXXX gave to Rasch Sterm they both sent letters.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WV)

My wife and I submitted an application to refinance our existing home mortgage with Navy Federal on XX/XX/2020. We have been in communication with Navy Federal for 5 months and they still cant give us a closing date and in the meantime they are collecting interest payments from us for our existing mortgage with them at a higher interest rate. During the last 2 months Navy Federal representatives contact us to ask us if we have any questions and state that they will escalate the matter to a supervisor and no one contacts us to respond to our questions including a closing date. We only get contacted by the same person asking if we have any questions. We have tried calling and sending emails.
Consumer complaint received 2020-08-29
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent four disputes to XXXX, XXXX, Equifax all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these accounts.
Consumer complaint received 2020-08-26
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank checking acct XXXX & XXXX. These accounts are reported to be open on XXXX/XXXX/2013 and closed on XXXX/XXXX/2013. closed for Caused-Purged which is showing negative on my XXXX account. These accounts where never funded by me I never recived any checks are bank cards these accounts was opened and at one time I was on XXXX so they closed the accounts. But this bank should not be reporting anything negative regarding these two accounts because I never used these accounts. These need to be removed off my file
Consumer complaint received 2020-08-27
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. (MI)

XXXX XXXX opened XX/XX/16, {$610.00} XXXX XXXX XXXX, {$3700.00} XXXX XXXX XXXX {$9800.00} These collection accounts do not belong to me.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2020-08-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have been calling and trying to get resolution from this account over a year. My card was stolen and used. They only provide a statement as proof. They have passed this account off so many times. Its all illegal. I contacted them and was called back my their attorney XX/XX/XXXX @ XXXX XXXX XXXX XXXX stated that she would resolve this matter and get back to me.i heard nothing. As assumed since the games and paperwork never get to anyone and they no nothing. I contacted again XX/XX/XXXX @ XXXX and spoke to XXXX XXXX and he said I cant talk about this account or help you. I will seek legal action At this point its all a runaround. They also act like they dont know case references numbers. No one takes responsibility it says Portfolio Recovery Associates gave to XXXX XXXX they both sent letters.
Consumer complaint received 2020-08-27
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: I.C. System, Inc. (MI)

I have sent police report to XXXX XXXX credit card and informed them that the credit issued under my name and soocial name XXXX XXXX is fraud. This happened after identity social security theft and i filed fca report. They deleted from XXXX credit burue. 
But they keep sendining information to XXXX  to label it as charged off account. I have evidence letter that this was resoved as frayd see attachment so I would like transunion to delete it I am totaly XXXX   person and they ruined my credit, I made more than 5 attempts they delete and bring it back Please I want permenant delete My last social XXXX name XXXX XXXX XXXX Dob XXXX
Consumer complaint received 2020-08-27
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX   XXXX {$930.00} DPT EDXXXX XXXX {$5400.00} DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$5600.00} DPT EDXXXX XXXX {$4500.00} XXXX XXXX {$3700.00} DPT EDXXXX XXXX {$4800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX {$8700.00} XXXX XXXX {$15000.00} XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX   XXXX {$2100.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX {$12000.00} DPT EDXXXX XXXX {$3400.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$2400.00} DPT EDXXXX XXXX {$7100.00} XXXX  XXXX {$1400.00}
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.
Consumer complaint received 2017-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (VA)

On or about  XXXX   XXXX , I went on line looking to refinance the mortgage on my primary residence in  XXXX , VA. I was contacted by  XXXX   XXXX , a  professional mortgage consultant for Wyndham Mortgage Company. I was asked to send a n umber of documents which I sent priority mail for {$20.00} to  XXXX . After reviewing the documents,  XXXX  informed me that, based on my income, I would not qualify for the {$410000.00} loan I was requesting. ( He obviously did not look at ALL my income-just my earned income ). So my daughter and her husband accepted to co-sign the loan for me. My daughter sent all the required documents priority mail for {$29.00}. I had an appraisal done on my residence. Everything was working well. My rate was locked in  at 3.625  until  XXXX   XXXX ,  2016 .  XXXX   XXXX  was processing the loan. The first thing she did was asking me to send to her ALL of the documents I had already sent to  XXXX . Then she requested from my daughter  XXXX  and her husband  XXXX , on  XXXX   XXXX ,  2016 ,, the very same documents that she had mailed for {$29.00} BECAUSE THEY HAD LOS T THEM.It took another 3 months for the staff at Wyndham to work on the case. By then my locked- in rate was gone. The interest rates increased and I received this message from  XXXX  on  XXXX   XXXX  : I was able to review the file and talk with  XXXX  ... ..but I ca n't figure out what happened to the documents from your daughter that were scanned into the file from the front desk. '' At that point my patience ran out and I told  XXXX  to forget the whole thing. I then went to the  XXXX   XXXX   XXXX   XXXX . The first thing they told me is that I DID qualify on my own. However, the rate was   4.325. They approved my loan in a few day
s. I just want you to make a   note on how Wyndham does business. Thank   you.
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (SC)

US Bank is reported my credit report. I have never even heard of them. Obviously someone had connected to my email, somehow " cloned '' my phone. And really who knows what else. I've noticed numerous accounts that are NOT mine. I've tried to reach out to US BANK but I just received an attitude from someone who claimed to be the only person available. And then I disconnected the call. I want the account and all the other ones that DO NOT belong to me REMOVED immediately from my credit report. This is seriously the last thing I need in my life right now. Please REMOVE this account.
Consumer complaint received 2020-08-27
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$650.00} XXXX XXXX   XXXX {$0.00}
Consumer complaint received 2020-05-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

Myself and another person was on original title. The other person took out a loan with XXXX XXXX. Somehow in XX/XX/XXXX wilshire paid XXXX  XXXX And said i am the one who got the loan. How is that i didnt have a job at the time. I also have never received XXXX. The other person receives XXXX thats why XXXX  XXXX was able to give loan. They recently repossessed my truck on XX/XX/XXXX. I am an essential worker i use my truck to get to and from my XXXX.