davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Amsher Collection Services, Inc. (AL)

Account previously in dispute - investigation complete, reported by data furnisher XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX AMSHER COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
XXXX updated. 
XX/XX/XXXX Balance {$680.00} Balance updated. 
XX/XX/XXXX This is a charged of account I have made several attempts to have this debt removed from my credit report. I have Paid XXXX XXXX XXXX countless fees to have this issue resolved. 
I received several calls and voice mails from this debt collector after asking them repeatedly to stop calling... 
After multiple requests for the original documentation providing my original wet signature this debt collector has failed to comply.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (UT)

I went into a medical facility ( XXXX XXXX XXXX ) for a free consultation. They took my credit card information. I did not realize they were going to charge me for the ENTIRETY of the services up front before I even started services. I asked them for a refund while I consider actually receiving the services. 

They gladly obliged and gave me the refund immediately and even provided a refund receipt. I thought everything was good to go as I saw both the pending charge and the pending credit on my credit card. However, the charge posted to my account and the credit dropped off. 

I reached out to XXXX XXXX XXXX to confirm the refund. The owner texted me and confirmed that it should've been refunded. The owner even provided an email from his credit card processor showing that it had been refunded. So, I filed a case with Wells Fargo to have the charge removed. They told me I'd receive a temporary credit for the {$6100.00} charge. I have not. 

I have called in twice since I originally filed the charge only to be told both times that a " speciality team '' was looking into the dispute and would let me know what happened and whether or not I needed to provide any additional information. I'm worried that Wells Fargo is not operating with my best interests in mind. 

I provided all of the info including the the most important piece of evidence - the confirmation from the merchant that it should have been refunded as well as the screenshot from the merchant 's processor of the refund.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

We opened a High Yield Online Savings Account with Marcus by Goldman Sachs. This account was opened in XX/XX/XXXX under our names ; husband and wife. 
We have been unable to access any of these funds because the company stated that they are unable to identify our information ( correct identification was given when the account was opened ). After numerous phone calls over the last month we have been unable to get the Affidavit of Identity that was promised to be mailed to us several times but did not arrive. In a phone call to Goldman Sachs on XX/XX/XXXX the representative admitted " the form did not get fully processed '' Today. XX/XX/XXXX, we finally received the form. 
We have been adversely effected by their irresponsible attitude toward us and the money we trusted with them and planned on using to help us pay bills. We requested that this account be closed as soon as possible and the money returned to us as quickly as possible ( preferably transferred back to XXXX XXXX XXXX XXXX where it came from ).
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

After being drastically impacted by the XXXX XXXX pandemic. I reached out to XXXX regarding my auto loan. They offered to place me on a payment plan which I honored. However the system still reported me as late to the credit bureau 's. After speaking with XXXX they advised me this was systematic understanding my concerns but stating that nothing could be done. This is a violation of the Fair Credit Reporting Act. Therefore I'm seeking the removal of the following late payments XXXX & XX/XX/2021.
Consumer complaint received 2024-02-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

NEW-REZ / Shellpoint mortgage servicing is not following their own published guidelines with regard to endorsing and returning my insurance claim check 's from Hurricane IAN. 
MY claim is under XXXX and they demand an adjuster 's report. This is not required documentation for claims under XXXX as stated right on their claims policy. 
They then dispute the amounts on the adjuster 's report and reach out directly to the adjusters without including me in any correspondence and without my knowledge. 
They refuse to endorse and return my checks.
Consumer complaint received 2024-02-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

We need your help with these servicing companies. RightPath Servicing LLC is now communicating to us that our loan is now serviced by another company by the name of Rushmore Servicing. 

Our loan number is XXXX. We have been current on our mortgage payments since 2018. I am a XXXX veteran and my wife XXXX is XXXX XXXX We need your help in finding ways to replace these servicing companies with abusive practices. 

The last time we checked with RightPath Servicing Company they gave us a payment balance of {$300000.00}. However, when we asked for a payoff amount they communicated to us that the payoff amount includes a {$100000.00}. This according to them makes our payoff amount over {$400000.00}. 

Please assist us in clarifying with the mortgage servicing company why this {$100000.00} is something we owe. Also, every year they change from one company to another. The last letter is attached herewith. Thank you in advance for your assistance.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to formally refile a complaint regarding serious inaccuracies present in my AMEX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account not adequately verified, and the inaccurate information persists.

Background : I discovered discrepancies in my AMEX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the account in question not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602,
have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant account verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge AMEX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: T.S. Holdings (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : IQ DATA INT XXXXXXXX {$7500.00} XX/XX/2023 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/year> I received an emailed invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the telephone number is XXXX and the email attached to the invoice is XXXX The charge is in the amount of {$50.00} Charged to XXXX  ending in XXXX XX/XX/year>, XXXXXXXX XXXX  that is not my card but they are using my name. The invoice number is XXXX XXXXXXXX the phone number used by the criminal is XXXX
Consumer complaint received 2024-02-01
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: SYNCHRONY FINANCIAL (NY)

I submitted a complaint about the communication to Synchrony Bank about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is XXXX XXXX XXXX XXXX XXXX XXXX Attention Corporate Trust Office Synchrony Card Issuance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.
Consumer complaint received 2020-01-12
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)

XXXX XXXX Home Mortgage has reported 4 late payments on my credit report to XXXX and Transunion. I have submitted a dispute to each of the credit bureau 's but the results came back the same. XXXX XXXX refuses to remove the late payments despite proof of payment for XXXX of the 4 months reported as late. 

In XX/XX/XXXX I entered a forbearance program with XXXX XXXX. I was medically retired from XXXX XXXX and lost a substantial amount of income. I was to pay {$25.00} a month for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Once I completed the payment plan, I was told that a new payment would be calculated to address my arrears and future payments. This would be determined based on income and the options were between a repayment plan or loan modification. 

In XX/XX/XXXX, I was instructed to complete a mortgage assistance application which provided details about my income. It was determined that I would pay my arrears and future payments through a repayment plan of almost {$2500.00} a month. I expressed concern because at the time I was attending school full-time and paying for tuition out of pocket. I submitted an appeal and was told to provide a new application with my education expenses included in the budget worksheet. Once submitted, it was determined that a loan modification would better fit my situation. 

I was then told that effective XX/XX/XXXX, I was to begin making 4 trail mortgage payments of {$1300.00}. I completed the trial mortgage payments in XX/XX/XXXX and my official loan modification documents were signed in XX/XX/XXXX. During the time I was in underwriting ( XXXX - XX/XX/XXXX ) and while I began my trial mortgage payments ( XXXX - XX/XX/XXXX ) XXXX XXXX reported my account late to the credit agencies. 

This has now prevented me from using my VA Home Loan benefit that I served nearly 15 years to earn. It has also prevented me from obtaining a home loan with other lenders and even XXXX XXXX, which is a complete slap in the face. In XX/XX/XXXX I asked my loan preservation specialist about the next steps in making full mortgage payments but was told not to worry as it would be calculated when the time came. At no point was I advised that during the underwriting process and while making trial mortgage payments that my account would be reported late to the credit bureaus. If I had known, I would have never entered any agreement with XXXX XXXX under their mortgage assistance program. 

I want this issue to be reconciled immediately so that I can obtain credit for a new home and so that other service members are not faced with the same situation. XXXX XXXX is impacting a VA benefit that many work hard for and at a high price.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-05-04
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. (PA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX XXXX Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-11
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. (NY)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSTANTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR IT TO BE UPDATED. IT'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.