davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
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. (CA)

In response to : XXXX XXXX XXXX, We received the copy of the identity theft report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. 
Please send : all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency To verify your identity, please include the following : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 
To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. Be sure to enclose a copy of the identity theft report that alleges this crime. 
If you do not provide Experian with the required information specified above, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

*** I'M ALSO NOW SUBMITTING AN FTC IDENTITY THEFT REPORT XX/XX/21 WITH ALL OTHER DOCUMENTS.
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (FL)

After contacting by phone Receivable Management Group XXXX XXXX and XXXX XXXX, this letter was mailed to both companies. 

This letter is to formally inform you that I received a notice from Receivable Management Group , Inc. demanding a payment, which is incorrect. The letter is dated XX/XX/XXXX requesting a payment in the amount of {$320.00}. 

I have included a copy of the statement issued by XXXX XXXX on XX/XX/XXXX indicating that the amount due at the time was {$8.00}, which was promptly paid on XX/XX/XXXX. 

In addition, XXXX  XXXX informed me that my credit score had decreased due to {$150.00} reported on XX/XX/XXXX by Receivable Management Group , Inc. 

Based on this information, I contacted your billing department. A representative named XXXX informed me that the balance due today was for approximately {$400.00}, unfortunately I do not recall the exact amount. She tried to explain that both insurance companies paid during XX/XX/XXXX, but such payments were later recalled. She was not able to clarify the reason for the payments being recalled or the date when the funds were sent back. Until today I have not received a copy of document ( s ) showing these transactions.
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NY)

I recently applied and closed a refinance mortgage for the amount of {$450000.00} from Rocket Mortgage by Quicken Loans. {$320000.00} paid off the balance of my previous home mortgage and I was supposed to receive the disbursement amount of {$100000.00} after closing on XX/XX/2021. I requested this disbursement amount to be wired to my bank as shown on the attached application form. However, the disbursement amount would not show few days since XX/XX/2021. I thought that it would usually take few more days to complete the transfer process. After more than a week passed, I decided to call Rocket Mortgage to find out what was going on. While trying to reach out to the right person, I was tossed between difference extensions numerous times as usual for the big company. In the beginning, they denied any flaw in their process and claimed that the disbursement was wired to the right bank account by using the information I provided on the application. However, during their internal investigation later, they found that their title company, XXXX, had sent the money to the wrong routing number. Firstly, I could not understand how this could happen, however, I accepted their explanation then demanded to reimburse the interest amount for 10 days which I had not receive this fund. They calculated the interest amount for 10 days and they sent me the check via XXXX. We made sure of the right routing number and they promised to resend the amount immediately. 
Few days passed and there was no fund showing on my bank account. I reached out to Rocket Mortgage and went through the very same process to explain all over again. 
They still insisted the money was sent to the right routing and account. Later, of course, they found that XXXX had sent the disbursement to the same wrong routing number they had sent first time. Since then I have been calling and requested to send me my disbursement immediately because I need this fund to pay the general contractor for my home renovation. After 2 months, they are not doing anything to resolve this issue and continue to tell me they can not do anything until they retrieve the money back from the wrong bank account they have sent. Why am I being punished for their mistake not only once but repeated?
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I am eligible to have my PMI insurance removed. I tried calling the mortgage company customer service line. No matter what options you choose it eventually brings you back to the beginning of the menu as if you just called in. It has been like this for a while. I tried several times over the course of 5 weeks and it puts you in a loop and you can not get anyone on the phone. I wrote them letters to all addresses I can find for them asking them to remove my PMI Insurance. The PMI Insurance is still on my monthly statement. 

The name of the company is Lakeview Loan Servicing , LLC. XXXX  XXXX XXXX XXXX  XXXX, VA XXXX. XXXX My loan number is XXXX. My name is XXXX XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Affidavit of Truth is not a dispute. I am an agent, consumer and natural person enforcing the Fair Credit Reporting Act pursuant to 15 USC 1681 that protect consumers. TRANSUNION has failed to rebut my Affidavit of Truth. TRANSUNION has sent me a letter stating that they need until the XXXX day of XX/XX/2021 to give me results and as of XXXX of XX/XX/2021 Transunion has failed to do their obligation as a corporation and credit reporting agency. I demand remedy for having to wait and no results were provided for me the consumer which violates my federal rights and the Fair Credit Reporting Act. I sent Affidavit of Truth with Exhibits on XX/XX/2021. On XX/XX/2021 a letter was written stating they needed more time. Transunion has failed to do their duty as a credit reporting agencies after maximizing their rights under the Fair Credit Reporting Act with 15 day extension on top of the 30 days. There is no excuse and I demand tracking number directed to me to make sure they won't use a deceptive way of saying they sent this information already by back dating letter. Transunion lie and say they verify information when verify is sworn under oath and under the penalty of perjury and the corporations the serve can not do so.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I have been getting letters in the mail stating that I am past due. 
I have been trying to reach this company since XXXX and have been very unsuccessful. Today Tuesday XX/XX/XXXX, I was on the phone for over 2 hours and got transferred multiple lines to dead lines or the reps would hang up on me. This has been happening for the last couple of weeks. I am trying to refinance my loan to be able to get a more affordable mortgage payment and even my loan officer has been trying to help me resolve the issue with no success of being able to get ahold of someone at XXXX. 

This is becoming very stressful and impacting my credit. 
I have never missed a payment, and this mortgage company is a nightmare to work with. 
This mortgage took over as my servicer XX/XX/2020, they truly do NOT care for their customers. 


I have attached my payment History to reflect my payments are Up to date. 
XX/XX/XXXX was the first payment due to them as you can see I made my first payment XX/XX/2020 due XX/XX/XXXX, I always make my payments early.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, has reported to my transunion with a XXXX increase to my balance. The balance is charge off as bad debt as they mentioned on previous complaints.My credit score has went down 80 points like previously with my XXXXXXXX XXXX corrected my XXXX but they caused my transunion to go down 80 points from a old charge off. Charge offs shouldnt change amounts month to month so unsure why my balance increased by XXXX effecting my credit by 80 points.It doesnt make any sense for a old debt to keep changing and effecting my credit score. I understand it will be on my credit file but for XXXX to continue to make changes to the account and hitting my score is unfair. This is my 2nd time with this issues with them.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I have no knowledge of this debt. I recognize the originator, XXXX XXXX but I only viewed an apartment. I did not sign any documentation agreeing to lease. 

Complaint : Hunter Warfield failed to validate provide proof of alleged debt. 

XX/XX/2021 - I sent a Debt Validation letter via certified mail to Hunter Warfield Inc. 

XX/XX/2021 - Certified letter was delivered successfully according to USPS tracking # : XXXX XX/XX/2021 - No response received.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I have filed a dispute three times with PNC bank. The first was in XX/XX/XXXX after I received notification from XXXX that they had filed for bankruptcy. It was denied by the bank for not enough information. I put in a second request in XX/XX/XXXX and provided documentation to support my claim and it was denied again. I provided documentation from the lawyer in which it states that by law the bank has to refund my money due to the company filing for bankruptcy during the third request two weeks later. Nothing but the same circle from PNC. They have been provided with the chargeback codes and everything but they are just sitting on it.
Consumer complaint received 2021-03-17
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: AMERICAN EXPRESS COMPANY (NY)

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 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX kept billing me for already paid bills even after i got a letter from them saying that my loan has been paid in full. They went ahead to give me bad report which has negatively affected my credit score.
Consumer complaint received 2021-03-16
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. (TX)

Every complaint I have sent to TransUnion comes back with no results plus TransUnion is the only one that doesnt fix issues and doesnt allow credit score to raise eg. The score hoes up today 33 points and in 2 to 3 weeks with the same report no changes on account status or anything suddenly my score goes down 58 points. This is and has been happening non stop with TransUnion and it shows no progress on my part no matter how hard I try. It seems like a SCAM from TransUnion so that banks charge us higher interest rates and they get a commission.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CA)

I was sold a solar system by XXXX XXXX XXXX XXXX company financed by Loanpal for {$48000.00} account # XXXX by using deceptive and fraudulent sales practices. I was told by LoanPal and XXXX XXXX XXXX company that I would be issued a rebate in excess of {$10000.00} which I would need to pay to Loanpal to keep my loan payment low. It has come to light that Loanpal and XXXX XXXX XXXX were deceptive in their representation that I would receive almost {$13000.00} in cash from rebates on my Taxes that I could use to pay Loanpal to reduce the loan balance. These conversations occurred on recorded phone lines and there is ample proof of fraud, deception, and misleading information about the sale/financing of the solar system.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Minto Financial dba Minto Money (WA)

I applied for a short term loan online. It redirected me to a loan website and said I would be contacted shortly by a representative. The number that called me was XXXX. At first they seemed like a legit business and I was in the process of giving them some of my information. Then I started receiving picture messages from the number calling me a XXXX as well as other offensive language. That's when I realized that this was clearly a scam and this number needed to be reported.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX Transunion. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of my credit report.
Consumer complaint received 2021-03-16
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc. (MD)

I am being victimized and harassed by debt collector, FH Cann & Associates. The company is harassing me by calling my neighbors regarding my past due student loan account. Two of my neighbors have reported to me that they have received calls from this company and told them that I need to call them to resolve a " personal matter. '' Of course, my neighbors surmised that this was a debt collector. The most recent call was on XX/XX/XXXX. 

The company representative who made the XX/XX/XXXX call is XXXX XXXX. The number she left is XXXX. I explained to Ms. XXXX that I am contacting the student loan lender to negotiate the issue. Previous calls were made in XXXX. 

Please find the contact information for FH Khann below : F.H. Cann & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX