davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
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. (UT)

XXXX XXXX ACCT # XXXX Is reporting a debt on my credit file that I do not owe. This debt is not mine, and I have never had an account with or opened any accounts with XXXX XXXX. I have contacted and advised them that is a fraud account and it needs to be removed off my credit file.
Consumer complaint received 2020-09-02
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. (OH)

This account is listed on XXXX  current Account owner as XXXX XXXX XXXX for XXXX XXXX XXXX # XXXX Also, listed on Equifax as current Account owner as XXXX XXXX. 

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP # XXXX
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NV)

i have try to contact the company that claims i owe a debt however the information they have is wrong the social security number they have do not belong to me and is unable to provide me with any paper work with the right social security number on it that i sign and the social security is my correct social securiy number
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/20 I filed a complaint with the CFPB regarding Equifax 's handling of my credit file. Equifax continues to ignore my complaints in the handling of my credit file. I reached out to the number that was provided in the last complaint which indicated that my file was to be handled by the Office of Consumer affairs. Upon reaching out the the office of consumer affairs my request of making my file avaliable have been ignored. 

The office of consumer affairs is no better in handling my file. I'm still spoken to in a rude way by its reps and my file isn't getting the level of treatment or attention to correct the issues that it deserves. I've asked for a supervisor or manager call back now at least 8 times and I haven't received not one call back as of XX/XX/2020 dating back from early XX/XX/2020. 

Many times the office of consumer affairs don't even take the consumer calls after sitting on hold up to an hour or more. I've escalated filed several complaints and have had zero resolution to my issues with Equifax.
Consumer complaint received 2020-03-16
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. (VA)

I am trying to get XXXX XXXX XXXX  to comply with the FCRA and provide proof that notice was given prior to the sale of a vehicle that was illegally repossessed. XXXX XXXX stated in a written letter they had terminated the relationship with the repossession company, and has none of the documents required to provide a lawful repossession per UCC 9 and Commonwealth of Virginia Law.

I am specifically looking for proof of Notice of Redemption and a Notice of Deficiency.

Law states these two items are required for the creditor ( XXXX XXXX XXXX  ) to collect a deficiency amount. 

I was never notified of Redemption, Time to Cure, Notice of Sale or Notice of Deficiency.
Consumer complaint received 2020-03-16
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)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORT.. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX  XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. 

IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX-XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XX/XX/XXXX EQUIFAX DELAY TACTIC LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XX/XX/2015 I hired a contractor to perform a very small ( 3-4 hour ) job at one of my rental homes. I met the workers in the late morning and let them in the home. Several days later, I contacted the contractor to arrange payment and was told that they were finishing up the work at that very moment. I told them that was impossible because my job only supposed to take one afternoon. I was told that additional work beyond what I had requested was performed. I told them that no additional work was requested or approved. I was told that the company owner would contact me to discuss. In spite of calling him several times and leaving messages, to date, I have never heard directly from him. Eventually, I received a bill for approximately {$2500.00} more than the job should've cost based on information gathered from other contractors. Upon reviewing the documents included in the bill, I discovered that the contractor claimed to have performed much more work than they were hired to do. They justified all of this extra work by presenting work orders signed by my tenant. I asked my tenant about this and he said that the contractor told him that I had requested this work and that it was ok for him to sign for me. Of course, this was not true. In fact, I never signed anything related to this job whatsoever. The contractor 's documents even attempt to assert that the job was related to an insurance claim with XXXX XXXX XXXX XXXX. I have never insured this property with XXXX XXXX and the original job I requested was in no way related to any insurance claim. I sent a check to the contractor in the amount that his competitors indicated they would've charged. The contractor refused to accept my check as payment and eventually turned me over to collections. Upon hearing from the collection agency, I referred them to my attorney and have heard nothing more from them. In XX/XX/2015 this collection showed up on my credit report. I contacted Equifax and disputed it. I provided all of the various documentation clearly showing the signature of my tenant on the work orders. I explained the entire situation and that obviously, my tenants are never authorized to obligate me to pay for work performed by contractors. Equifax responded by allowing the collection to show up on my credit report in spite of clear and overwhelming evidence of fraud committed by the contractor. It seems clear to me that Equifax is catering to the entities that pay them rather than the ordinary consumer that is harmed by them.
Consumer complaint received 2024-11-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

We closed on our home in XX/XX/XXXX. We financed through XXXX with a monthly payment of {$5500.00}. As a part of closing, XXXX paid the tax bill to XXXX XXXX on XX/XX/XXXX in the amount of {$7400.00}. The mortgage was sold to Mr. Cooper in XX/XX/XXXX. Mr. Cooper paid the taxes again in the amount of {$12000.00} which caused our escrow account to go into deficit. XXXX XXXX noticed the error and sent a refund check of that same amount to XXXX, who is Mr. Coopers third party tax paying service in XXXX of XXXX. That check was cashed in XXXX of XXXX according to the XXXX XXXX XXXX XXXX. In XXXX of XXXX, we were informed that our Monthly mortgage was increasing to {$5900.00} because of the deficit in the escrow account. After spending several hours of our own time researching all of this, we spoke with Mr. Cooper who after XXXX weeks of back and forth said they did have the check and it would be refunded in XXXX days. They said until it hit the account we were still responsible for the deficit and would have to pay the higher mortgage for it.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON XXXX XXXX I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XXXX XXXX agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by Transunion, ( see Copy ) and no responds by XXXX and XXXX, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3. CREDIT CARD CHARGEOFF # XXXX
Consumer complaint received 2019-11-03
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: Westlake Services, LLC (TX)

A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a West Lake Financial Service from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called Westlake but they were rude and hung up on me several times as well as cussing and being  very rude. I still have it reporting on my XXXX credit report and I will like it deleted.
Consumer complaint received 2020-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates (MS)

I received a garnishment letter from my employer on XX/XX/2020. I contacted the agency panicking because the amount they are trying to collect is the wrong amount. I spoke with XXXX XXXX, he was no help. Called back again and XXXX spoke with me. She stated that they would verify with the hospital that the debt was paid in full and submit in writing to my employer the correct amount that was to be garnished. She stated that she would call back in 30 minutes. I called her back 3 hours later and she stated that they would have to wait for the information. If youre Patient Accounts like you keep repeating you should have access to this information. I called again on XX/XX/2020 spoke with XXXX again she stated that the attorney was out and to call back around XXXX. I did so. The attorney XXXX stated that it takes 24 hours for the hospital to validated that it was paid. They wont accept any statements from me from the hospital showing a zero balance. I have called back every day and now starts week number TWO and nobody can seem to validate the amount that was paid to the hospital so that the CORRECTED information be sent to my employer. All I keep hearing is call back after lunch and the attorney will be in then. Or I cant get in her email I cant do anything. Its frustrating because you did not hesitate to enter the incorrect judgement. Now no one knows anything.
Consumer complaint received 2019-11-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I filed a complaint against Ditech Financial in XXXX. They resolved part of the issue but not all of it. The complaint should not have been closed. Complaint XXXX. Ditech Financial has been misapplying all of my homeowners insurance payments since XXXX. I have provided proof, my bank provided proof, I have called, sent letters, bank called on my behalf etc. refer to original complaint. I received a letter from Ditech admitting to misapplying all the payments. They stated they found all of them but XXXX and I need to pay XXXX. Really? Look harder! Ditech you think I have been fighting with you for months and I didnt send XXXX. You admitted to misapplying every payment since XXXX, yet you insist I am still behind. XXXX payment cleared by account XX/XX/XXXX and you have been provided proof multiple times. There will be no further payments. Your half apology is not good enough. Your staff has been rude and your company was and is wrong.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My second mortgage with XXXX XXXX XXXX was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our XXXX XXXX XXXX account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my Experian account and it shows that there is a XXXX XXXX XXXX charge off  listed with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with XXXX XXXX XXXX that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for XXXX XXXX XXXX to show the settlement amount and the balance.
Consumer complaint received 2019-11-03
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. (FL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian Credit Protection auto-renewed on a credit card that I paid-off and tore up without notifying me on XX/XX/2019 ( I did later find an email announcing the charge ) for {$150.00}. My credit card switched me to online billing and did not notify by mail, phone, or, email. My credit report showed five late payments unbeknownst to me and it ruined my near-perfect credit rating. I even keep several thousand dollars in savings at the bank that ruined my credit for an unknown {$150.00} bill, which I paid immediately ( the account number isn't even correct on my credit report and I suspect they charged an older card ). I submitted two good faith letters to the credit union XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XXXX XXXX ) with no response.
Consumer complaint received 2019-11-03
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. (MD)

I filed my card as lost in XX/XX/XXXX. I called customer service on XX/XX/XXXX to make a payment because I couldnt get online because online was asking for a card number but I hadnt received a new card. Therefore I didnt have access to my statements or payment amounts so I called on XX/XX/XXXX to make a payment. I was told the minimum amount due was {$78.00} so I made a payment of {$80.00} over the phone. It has been a week and I still hadnt received my card so i called customer service on XX/XX/XXXX to customer service to make a payment for the amount due. I was told the amount due was {$77.00} and my total balance was XXXX and my credit Limit was {$2700.00}. She set me up on autopay to have ThePayment due {$77.00} draft out on on XX/XX/XXXX and will continue to draft on the first of every month. She also said she would connect me with someone about lowering my APR. I look at my account today and citi drafted {$210.00} which was not the amount I was told. I AM XXXX AND UPSET
Consumer complaint received 2019-11-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have tried multiple times to contact portfolio recovery collections and the credit bureau XXXX regarding the three debts that they have in collections on my credit report. This company is devious and has put the wrong open dates wrong on my credit report along with constantly trying to contact me. The original debts were opened many years ago and if you even call and attempt to speak to anyone in the company they will immediately assume that the debt is yours and change the open date of the debt and the credit bureaus will not listen to the consumer but to the debtor. I have tried to fight these old debts and have gotten nowhere. 
I do not have all of the dates of when I have contacted portfolio recovery - for if I do, it makes it worse. I just recently tried to fight the credit bureau again within the past 6 months and the gentleman on the phone was extremely rude to me. 
The amounts of the three debts are : {$960.00} - open XX/XX/XXXX {$940.00} - open XX/XX/XXXX {$890.00} - open XX/XX/XXXX These dates are NOT the original open dates of any past due debts that I own. If you look at my credit report, all of my credit has been paid on time. 
I am fed up and frustrated about what else to do. I have sent them letters and I just don't know what else to do. I really need your help. 
Please help!
Consumer complaint received 2019-11-03
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: Bread Financial Holdings, Inc. (UT)

There was a collection account placed on my XXXX credit report on XX/XX/19 with a balance of {$1800.00} by XXXX XXXX XXXX. The original creditor is listed as Comenity Capital Bank whom I have NEVER heard of. It is listed that the account was opened in XX/XX/2019. I have not opened or applied for any credit accounts in the past year. This is not my account and I do not owe this company any money. I have never received any written or verbal notice of this account either prior to or after it was placed in collection therefore this has been my first and only opportunity to dispute this. I was part of the XXXX data breach as well as a XXXX XXXX XXXX XXXX data breach. I have disputed this directly with XXXX as well as attempted to dispute it with XXXX XXXX XXXX
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion not so long ago, had a server error, in which deleted inquires from the credit report! Instead of following section 6.11 of the / FCRA I did not receive a letter within five days, and Transunion just placed the inquiries back onto my  report. 

I reached out at XXXX and was not given any assistance and they acted like there was not a problem, when in fact there was. 

I am requesting any and all credit inquiries from my Transition report to be deleted as it did not follow the FCRA!
Consumer complaint received 2019-11-02
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/2019, I submitted dispute information to Equifax which included police report along with a copy of my driver license and Social Security card as identification. A week later I received a letter asking for these same identification items again. 

On XX/XX/2019 I submitted copies of the first police report with a copy of a new police report and again attaching my driver license and Social Social Security card as requested. 
On or about XX/XX/2019 instead of getting an update I once again received a form letter dated XX/XX/2019 ( attached ) requesting copies of my driver license and Social Security card which I just sent them a week prior. 

On the XX/XX/2019 I submitted a copy of my FTC Identity Theft Report ( attached ) with copies of my driver license, Social Security card and my most recent light bill only to get another form letter dated XX/XX/2019. ( attached ) instead of getting an update on my file. 

This is a ridiculous amount of times I have had to submit my identification only to have to produce it again and again when it is in their hands. I am a XXXX XXXX XXXX woman with limited income and resources to be able to provide these things. ( Attached is the FTC Identity Theft report with the two most recent form letters from Equifax both received within the past few days.