davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
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. (AR)

Over the past several months, I've been in touch with Equifax in regards to several fraudulent accounts reporting on my credit file that were established without my consent. The account ( XXXX XXXX XXXX XXXX XXXX  XXXX ) for some reason still remains on my file from Equifax. This account was clearly included in my FTC report from the Federal Trade Commission. Equifax has not provided any accurate verification in regards to this account and it has been over 30 days without yet a response. Under the FCRA Equifax must abide or adhere to by removing this account promptly from my credit file. Equifax still continues to report addresses on my credit file I've never been associated with as well.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

I first opened TV service with XXXX XXXX in 2015, i had the service since i moved 3 times with the service. The first move i made the customer service person canceled my service resulting in a cancelation fee and just issued me a new account not telling me what she had done. It wasnt until i saw this {$800.00} bill from them show up on my credit. I called them and the credit department is reducing to fix it i disputed it they refuse to remove it. This is holding me back from buying a house. Im not paying it as i dont owe it. My service was never disconnected. I believe the sales person just wanted to have a new connect so the did this and now Im stuck with a fee. Also when i ask for documentation they state that cant provide it. So how is this valid then.
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

This pertains to loan number XXXX that we have with AmeriHome. We are guessing this issue is related to our attempt to recast the loan after they received {$100000.00} to reduce the loan principal on XX/XX/XXXX, but they could not process it and returned the money on XX/XX/XXXX, along with the {$250.00} administration fee. That was 2.5 months of holding our money! 

Currently, we are trying to pay our loan on-line ; via direct payment and ACH. We have also tried to repay this loan via telephone. In all cases, the account remains blocked by the modifications department. This was the group that was supposed to recast the loan, but worked so unethically and immorally that they had to return it per a previous response to my complaint. 

Note that people managing the messages area keep on line are saying that that loan is unblocked, and/or that we should remove all cookies. IN ALL CASES THE ACCOUNT REMAINS BLOCKED. 

To make matters worse and when we call in, the voice prompt says that we need to be aware that they are trying to collect a debt. We all know that AmeriHome is morally and ethically bankrupt and/or completely incompetent, but this is a new low. How can they say they are trying to collect a debt, when they are preventing us from paying the current loan payment. 

My guess is that AmeriHome is trying to punish us for cancelling the loan recast by preventing payment ; putting our credit scores in jeopardy and leading to delinquency. 

This situation has been going on for at least 2 weeks if not a month.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

On my XXXX credit bureau report, there is a " hard '' inquiry listed by SEARS/CNBA that is outdated. 

I have contacted both XXXX  and Sears/CNBA in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.
Consumer complaint received 2020-05-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Issue : Wells Fargo will not give me a copy of my application. 
Events : XX/XX/2020 : I submitted an application online. XXXX XXXX XXXX stayed on the phone, to provide support for the process during this 1.5 hr process. When the application was submitted, I did not get a copy automatically. It was not available on the " loan tracker. '' The loan tracker is not updated and inconsistent with emails and conversations with the banker. 
Banker referred me to his supervisor, XXXX XXXX : he did not get a copy for me. Finally, I was referred to the Executive Office : Wells Fargo can't give me a copy : the bank maintains the data in  their " system '' but can't save, print, fax or email a copy. 
Note that I have multiple accounts with Wells Fargo and in fact, I have an existing HELOC with XXXX balance and the draw period ends in XXXX. I have excellent credit. I put 1.5 hours into completing the application : it is my data and my work. If XXXX. declines, I can use the collected data to apply to another bank.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Macy 's # XXXX Ex Girlfriend had put me on the account as an authorized user without my knowledge. It is now on my credit report, and keeping me from buying a home with my 3 kids.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CT)

I attempted to request a settlement offer, if paid in full today, XXXX, no reps were available to speak with due to limit staffing because of Pandemic.  The account, Amazon credit issued by Synchrony Bank, has been closed and has a balance currently in the amount of {$720.00}. If a settlement offer is available, I will gladly accept and pay off in full.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

The first and second monthly mortgage payment were received, one was posted the same day, the other was recorded about 14 days late. The following 2 month mortgage statements had about 48 erroneous credits and debits on the mortgage statement, none of the ACH monthly payments sent were credited to my account, thus, the principal and interest amortization schedule did not match my accounting. I have since then sent a letter from my bank, signed by the XXXX XXXX  Branch Manager that 4 monthly payments have been sent ACH between the XXXX - XXXX day of the month, I was concerned that a foreclosure could be started soon, should this not be resolved in time ( 90 days plus ). Sending numerous emails asking if the misapplied credit and debits are from other borrowers. The answer I received was shocking, the person mentioned in the email " that the account number is associated to 3 different loans so that's where the mixed up happened ''. This person also claimed that a refund of {$460.00} was sent to my bank. ( I thought ; how did this person have my bank account number and routing number? ) In her email she stated " the refund was sent, that this amount currently left to cover XXXX 's payment. '' She requested my bank statement, etc. it was then that I asked who authorized this refund, what was the reference number to this alleged refund and so on. She finally admitted that this so called refund was sent to someone else. The account number to my XXXX has now been changed due to this person mentioning that 3 other loans are using this number, ( in an accounting software? ). The fron of the monthly statement does not have a mailing/ payment address. My concern is also with the credit reporting agencies, I have not had a chance to request a report, since I never received an answer as to who this company NewRez reports to.
Consumer complaint received 2020-05-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$4700.00}, {$0.00}, {$0.00}.

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 ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$4700.00}, {$0.00}, {$0.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-08
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. (IL)

I contacted the company unable to speak with a live person but I am at the end of fixing my credit got everything off that wasnt mine and paid everything that was mine there was 1 thing left on Equifax submitted a dispute because because the collection Did not belong to me and my score dropped 54  points and I am in the middle of trying to buy a house I am very upset because this sets me back
Consumer complaint received 2020-05-08
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)

TransUnion Credit Bureau reported from a debt buyer ( XXXX XXXX ) that I opened an account in XXXX of XXXX. I did not. The remarks from XXXX  XXXX said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the TransUnion report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not XXXX.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE (VA)

At the end of XXXX or early XX/XX/XXXX Huntington National Bank made the decision to close my checking account. The reason why they made that decision has never been disclosed to me. As part of the account closure process, Huntington had cut off my access to online banking and deactivated my debit cards. Several weeks later I received a letter from Huntington informing me that my account was overdrawn. At some point after my access to my account had been revoked, a transaction posted to my account that resulted in it being overdrawn. That, in turn, resulted in Huntington charging me multiple overdraft fees. I called Huntington to explain that I should not have been charged those fees since I was not aware the account had been overdrawn and had no ability to bring the account back to a positive balance before the charges were imposed since my account access had been cut off. I was told not to worry about the charges since Huntington does not report accounts to XXXX nor refer accounts to collection agencies. Approximately a month later I received another letter from Huntington demanding payment for the overdrawn account that threatened to refer the account to a collection agency if I did not pay. I called Huntington again to try to resolve the issue and was told that the previous customer service representatives I spoke with gave me incorrect information and that I have to pay the balance owed. I have been going back and forth with Huntington about this issue since the beginning of the year with no resolution in sight. I received another letter from Huntington on XX/XX/XXXX that indicated the fees have no reached a total of {$200.00}. That entire amount is fees imposed by Huntington that I should not have been charged.
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (TX)

I lost my part time job and i now have XXXX and moved in with my father.While i worked i got a loan with Moneykey.After i lost my job i got behind.Then the collection calls started.I got a debt relief lawyer the XXXX law firm to settle the debt.Monkey claims they will not work with this law firm.I talked to the XXXX Law firm and said they have worked with Moneykey before.Moneykey then started phone calls and threats.Can you please help me.Moneykey corporate office is XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-08
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. (GA)

Experian continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act. 
1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX  XXXX XXXX  was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a XXXX student loan open for 18 years Experian never reported any payments 5. Experian is showing all of my open XXXX student loans as closed with a balance.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (FL)

Toward the end of XX/XX/2020, I called GreenSky to settle an account that I owed {$300.00}. This was for a Rooms to Go account. They agreed to legally settle and update the account status to legally settled for {$160.00}. They accepted the funds, and reported to the credit agencies that the debt remains. On XX/XX/2020, they emailed a misleading pay off letter stating that they forgave in excess of {$600.00}, and the debt remains.
Consumer complaint received 2020-05-08
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. (TX)

UNAUTHORIZED INQUIRIES FCRA FTC VIOLATION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX/XXXX
Consumer complaint received 2020-05-07
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX   XXXX XXXX Original creditor Opened XX/XX/XXXX ( 3 yrs, 1 mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX XXXX Original creditor : XXXX AT XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: E. Margriet Langenberg, P.C. (VA)

On XX/XX/2020, XXXX Langenberg of the Langenberg Law Office ( XXXX. XXXX XXXX, XXXX VA XXXX ) sent me a payoff statement as well as a transaction report of assessments, late fees, and payments made for individuals who are not me. I alerted Langenberg and asked why this was being sent to me and if any of my personal information had been released to any uninterested third parties. 

Their only response was to send me the statement and transaction report under my name with my information. They did not address if my personal information had been released to anyone else. 

On XX/XX/2020, XXXX Langenberg of the Langenberg Law Office ( see above for address ) sent an email telling me a payment arrangement with my HOA had been declined because I had not made any good faith payments ( a complete falsehood given the Langenberg firm had received a payment and such payment had been cashed weeks earlier ). And again they sent me the personal information of an unintersted and unrelated third party. 

I believe their actions are a violation of Section 805 of the Fair Debt Collection Practices Act. 

They have still not responded to my request as to whether my personal information has been released through their negligence to a third party, so I can only assume it has. 

I am asking for damages in the amount of {$500.00} per occurrence for a total of {$1000.00} given their negligence, sloppiness, the fact they won't answer my simple questions, and that consumer privacy has been violated.
Consumer complaint received 2020-05-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I had XXXX in charges occur on this XXXX.XXXX in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.