davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2017-11-11
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. (CA)

EXPERIAN is reporting two accounts XXXX XXXX XXXX, ACCT NO XXXX and XXXX that should not be reporting as medical collections on my file.BOTH services at the original creditor were adequately insured but not properly billed.They should be removed from my file.Experian refuses to reinvestigate these fraudulent billings and collection.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MI)

On XX/XX/XXXX my wife paid her massage therapist {$95.00} from her XXXX in the amount of {$95.00}. The card was ran through square pay. Well square pay double billed us and so two charges of {$95.00} dollars appeared causing our XXXX account to go - {$4.00}. So we waited for it to clear. Well on XX/XX/XXXX we checked our XXXX and had an available balance of {$90.00}. Well when we went to us it to pay our chiropractic bill in the amount of {$80.00} our XXXX card was declined. Called the XXXX rep, and they told us that they square pay still has a hold on the account and our funds wouldn't be useable until XX/XX/XXXX despite XXXX portal saying we have money. Square pay shouldn't be allowed to double bill.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-16
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. Please update or correct this immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} US DEPT ED XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} US DEPT ED XXXX : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX : {$4700.00} XXXX XXXX XXXX XXXX : {$7100.00} US DEPT ED XXXX : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX : {$0.00} XXXXXXXX XXXX****Balance : {$0.00} XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MA)

I 'm writing today to file a complaint against Navient. Navient sent my 9 private loans into collection and has reported it as charged off on my credit report. I had been battling with Navient for months due to financial hardship I was unable to make my payments. Without any repayment plays other than forbearance, my account was sent to collections. I have since made arrangements with Navient where I am on a repayment plan that includes paying Navient faithfully every month {$250.00} dollars at 0.01 % interest rate. My total current balance of these loans is {$7900.00} which I have been trying to pay off since graduating college in 2011. Due to the astronomical interest rates on these loans, I have never been able to make a dent in the principal balance, it is a constant revolving debt of interest. I am a XXXX XXXX and am trying to move out of my parents house and become a homeowner. My credit score has been absolutely dismantled because of Navient 's credit reporting of charged off/account past due every month even though I faithfully make the direct debit payment of {$250.00} a month. I have been working closely with a credit repair company to increase my credit score so that I can qualify for a refinance in order to pay off all of my private student loans at a lower interest rate and finally get out of this ridiculous student loan debt. I can not do that though if Navient continues to report my account as charged off/past due. I would like for Navient to please report me as on time paid to the credit bureaus so that I can finally pay off these loans and move on with my life.
Consumer complaint received 2024-03-11
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX, XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (CA)

On XX/XX/XXXXXXXX XXXX  I was notified by XXXX that I had a collection filed against me from H & R Accounts , Inc. for {$520.00}, for XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I visited this E.R. late in the evening. I was checked in and gave them my driver 's license which had an old mailing address on it. After several hours of waiting and seeing no one, I left. Since then, I find out they ( XXXX ) billed me {$520.00} for no services rendered. On XX/XX/XXXX I asked H & R to send me the billing, something in writing to show what I owed for since I never received services. They said they didn't have anything, would have to request it from XXXX. I was able to login online to XXXX and it showed no services were rendered other than being checked in, and I sent this to H & R. No response. I have given H & R my current mailing address, email and phone, back on XX/XX/XXXX. They have never again reached out to give me any information. I contacted them again on XX/XX/XXXX and spoke with a XXXX XXXX who told me they still didn't have any documentation to show what I owed for, and he told me they didn't need it. I filed two XXXX  complaints against XXXX to which they never responded, and I filed one XXXX  complaint against H & R, to which they responded with " H & R Accounts ( H & R ) acknowledges receipt of the XXXX XXXX XXXX Complaint ID # XXXX filed by the consumer on XX/XX/XXXX. Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for XXXX  complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one account listed under the consumers name. The consumers account was listed with our office on XX/XX/XXXX, for services rendered by a medical service provider on or about XX/XX/XXXX. Upon placement, H & R mailed an initial collection notice to the consumer. This notice contained validation notice elements required by the FDCPA, and this notice did not come back as mail return. We have verified the account with our client and confirmed services were provided to the consumer on the date of service. The account has been marked disputed and we will send the consumer the results of our investigation for their records. Should the consumer have any questions, they can contact collection manager XXXX XXXX at XXXX. 

I want this removed from my credit report if they refuse to provide proof that I owe anything. My credit rating dropped over 30 points due to this. I pay my bills- if I received services for medical issues, I pay them. I find this to be unfair collection practices to report against someone's credit report and not provide them one piece of evidence that this amount is truly owed. I am entitled to see an invoice showing what I owe and for what services.
Consumer complaint received 2019-11-24
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. (AR)

Hello, This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following inquiry was not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX  XXXX XX/XX/2018 Disputed on XXXX XXXX
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00}
Consumer complaint received 2023-10-16
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. (KY)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (CA)

I called Milestone about a year ago to close my account and assumed it was closed because I received a letter stating this. Then I received a call this year that my account was delinquent. I called in to close my account AGAIN and to pay whatever balance off that had been reported. I don't have this card and haven't used it so all I could provide was my social security number. I was told by the rep that my account was closed and there was no balance due. As of this week I am receiving calls again and emails that I do in fact have a balance on an account THAT IS NOT CLOSED. 

I called on XX/XX/2022 and the call lasted for 7 minutes. I repeatedly asked the rep how to pay my bill and he repeatedly told me nothing was owed and the account was closed.
Consumer complaint received 2022-05-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I would like to file a complaint against Rushmore LLC. I believe Rushmore LLC did not follow our government instruction/regulations on VA loan modification for the following reason. 

Rushmore is my VA lender of XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I am solo on this loan. 

1 ) Rushmore LLC illegally modified my VA loan with XXXX XXXX XXXX XXXX. She was not on my VA existing Mortgage loan. 
I am solo on this VA loan and This VA loan is only for Veteran and XXXX XXXX. XXXX XXXX XXXX XXXX is not an XXXX XXXX and she is not a veteran. We are not married. 

3 ) this is my solo VA loan. It is mine. it is not hers. How in the world Rushmore is allowed to modify my solo VA loan with XXXX XXXX XXXX XXXX? 

4 ) Rushmore cancelled my property/house insurance without my permission. Accident is unforeseen event. 
That is why we are required to have house insurance in order to get loan approved. When I asked them, they ignored me. 

XXXX ) On XX/XX/2022 I was informed XXXX XXXX XXXX closed on a mortgage. My VA loan would be paid off on that same day. I also was informed that XXXX had provided all of the payoff information that XXXX XXXX XXXX needed. There was no required my present in person at closing office. Therefore, I did not show up. 

5 ) However, On XXXX XXXX XXXX  I was informed that my VA loan on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not paid off as promised. about a week prior to closing date, The closing title agent, XXXX XXXX called me. He introduced himself that he is a title agent. Then he briefed to me that all he needed from me was my Quit claim Deed. So I did the Quit claim Deed then my divorce attorney sent it as demanded on the closing date XX/XX/2022. 

So how in the world my VA mortgage loan is not paid off and I am still responsible for it???? 

In Summary, due to Rushmore did not provide customers service at the minim answer the client emails. they ignored my emails and voicemails as a result they indirectly put me into deeper financial hardship. For instance, I had no choice and hired a mortgage lawyer to get the answers from Rushmore LLC. I hired XXXX XXXX XXXX because he introduced himself as he is owner of 2 law firms. One locates in NY and one locates in XXXX XXXX, FL. He promised that his company would find out the answers. but It costed me {$2000.00} per month. 

See!!!! if Rushmore services properly worked with me as adverted on their website. I would not have to pay XXXX XXXX XXXX {$2000.00} per month to get the answers. Due to my VA loan was not paid off as promised, I could not get approval for any loan. I did not meet debt radio. I ended up in deeper financial harder ship. Lawyer feed added into my plate.
Consumer complaint received 2024-03-11
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. (IL)

I recently checked my credit report and saw accounts reporting that I do not recognize : XXXXXXXX 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 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 2023-03-20
Product: Credit card or prepaid 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: Block, Inc. (WA)

Reached out XX/XX/XXXX about a unauthorized purchase made on my account its now the XXXX of XXXX and they will not respond to me no provisional credit either despite federal law stating provisional credit is to be applied after 10 days of dispute being resolved was told they dont have to give me any kind of credit if they dont want too very rude and unprofessional
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXXXXXX XXXX, Transunion, XXXX, and XXXX.
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (MI)

Well first off thank God we have the XXXX Many consumers and i have no nice way saying this but ar egetting XXXX by these large comonaies that think they cann walk all vover the consumer wrong I sued two large compnaies in Federal Court. It need to end here and for companys to take responsibility for their own mistakes  I will poest supporting eamils in here since they dont seem to upload through other complaint. My Loan now is being held up for weeks yes weekes because the last title company that did my loan titel did not do there job and left a lien on the house with another lender. This shoudl have been done by the titale company that was hired for XXXX dollers. Well they didnt do there Job so now Im stuclk hiring people to do it with my own money  which has caused problems in my life. I can pay my bills now and get my medication. And honestly been sick over this with my XXXX being in the high XXXX. They refuse to correct this mistake . I ask them over and over to please fix it they do not knwo what to do who to go to because they dropped the ball a year ago. So. now the bill just get larger. In talking with my atoturney  XXXX XXXX  XXXX XXXX the number 1 and number 2 mortgage lender sin the COuntry all agree the titele company that was hired by my mortage company should have fixed this and will not so they can pay me and the people I hired to clean this mess up. How sad you would do this to a client that did ahve trust in you . I understand u made a mistake wer ehuan however u refuse to fix it I have asked you seeral times  and i been running my XXXX off to get this clloan closed  but have a hold up because you never did proper title work on my previous loan shame on you, SHame on you.

 RE: XXXX - XXXX XXXX XXXX XXXX 


  Reply|
Thu XX/XX/XXXX, XXXX XXXX  
You 
You replied on XX/XX/XXXX XXXX XXXX.
XXXX XXXX,
 
Yes, the previous title company, that we do not have any affiliation with, made a mistake when drafting the title work.
 
Thank you,  
 

XXXX XXXX
Loan Assistant
Home Point Financial Corporation 
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX Ext: XXXX
Fax: (XXXX) XXXX 
Email: XXXX

I appreciate your help in getting this resolved.  The old title company has been giving us push back all week and hasnt been moving this along because they havent wanted to admit fault.
  

XXXX XXXX
Sales Manager
Home Point Financial Corporation 
NMLS: XXXX
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX 
Fax: XXXX 
Work Mobile: (XXXX) XXXX
Email: XXXX