davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I received a letter from XXXX XXXX XXXX who purchased my loan. The letter states that I have not paid my mortgage payments as promised and delinquent in the amount of {$12000.00} I have never missed a mortgage payment in the amount of {$1100.00} that I've had since 2007. 

I believe this is an attempt to have my property taxes escrowed that I have opted out of by email and phone calls. 

I have sent this new mortgage company an email response, however, they refuse to respond. 

My mortgage payments are paid through my financial institution and I have proof of each mortgage payment of {$1100.00} In my time as a homeowner, never had any issues with a mortgage company, and never missed a payment. 

I have paid my property taxes through my financial institution and have documentation proving such. It's my belief that this new mortgage company is attempting to force me in to escrow by alleging that I missed payments and threatening to foreclose! 

Thank you and I look forward to hearing from you.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-18
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. (FL)

Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2022-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (MD)

In accordance with the Trial Period Payment Agreement signed XX/XX/2021, Land Home Financial Services is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point one. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet Land Home resumed such action without sending proper notice.
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (AR)

I pulled my credit because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my credit profile. My identity has been compromised and this information in my report is not correct.
Consumer complaint received 2023-02-28
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Our Capitol One XXXX Credit Card bill is paid in full monthly. On XX/XX/XXXX the bill due was {$2600.00}. When paying the bill via ACH, inadvertently a XXXX was added, making the amount paid {$26000.00}. 
We contacted the credit card company to correct the error the following days ( XX/XX/XXXX ) and after four efforts including supervisors, the best they could offer was to authorize a paper check be mailed after XXXX days from due date ( XX/XX/XXXX ) and an additional XXXX business days for the check to arrive. This is wrong. The payment was made via ACH transfer and the $ XXXX should have been immediately returned to us via ACH transfer. Waiting a month for our money to be refunded is outrageous! We desire immediate refund of monies due along with the same interest and penalty fees that would have been imposed on us were the roles reversed. The bank 's process would be fine for {$200.00} but certainly NOT for $ XXXX!!
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax 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 2020-04-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

I am following up with a claim that I made previously XX/XX/XXXX. I never heard back from Experian. I am still disputing the XXXX XXXX account. 

I received a letter from XXXX XXXX that the debt has been sold to XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX yet Experian is still reporting a past due amount. 

By law this account has to be at XXXX. I am asking that the entire account be deleted. 

I have attached a letter from XXXX XXXX stating that the debt has been sold. 

Experian is still reporting incorrectly. 

I am asking that this debt be removed.
Consumer complaint received 2023-02-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (MO)

A finance of my marital home was completed by my husband ( we are in the middle of a divorce ) however I was not included on the finance despite my name being on the deed of trust for the home. CMG Home Loans completed this loan and then sent the documents over to Priority Title and Escrow who paid off the original mortgage that I was on and paid all proceeds from the equity directly to my husband despite my name being on the deed of trust. Our original mortgage was through CMG and once I received an email stating that the mortgage had been paid off I immediately called them to find out how and why and they refused to provide any information stating that I am not on the new loan so they couldn't help me. A formal complaint has been filed with the state of Missouri on Priority Title & Escrow as well. Numerous attempts to reach Priority Title and Escrow has been made including an attorney demand and no response has been received back. At this point CMG has no security on this property as Priority Title and Escrow can not file the Deed of Trust without a marital waiver and quick claim deed which they will not be receiving. CMG accepted improper documents to complete this finance.
Consumer complaint received 2021-06-21
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: I.C. System, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
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. (TX)

Reporting inaccurate information part # 1 : Transunion has XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting " late '' for month of XX/XX/XXXX but on time XX/XX/XXXX. 
While XXXX  is reporting the opposite : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting on time for XX/XX/XXXX but " late '' XX/XX/XXXX. 

Reporting inaccurate information part # 2 : Both Transunion and XXXX are reporting a collection listed as XXXX XXXX XXXX : I sent a Debt Validation letter and have not heard back with my request for them to validate the debt nor have they responded at all and this was sent in XX/XX/XXXX, it is now XX/XX/XXXX. 

I want both Transunion and XXXX to either validate the debt and " late '' payment correction or delete them all together as neither of these inaccuracies have been corrected nor validated.
Consumer complaint received 2020-04-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP (OK)

On XX/XX/2020 continental credit call my parents home number and left a detail information for me to call. Please understand the same day she ( XXXX ) had called my cell phone and left a voicemail I called Continental Credit spoke with XXXX explaining there is no need to call my references when she had a working number for me. She asked does that mean she cant call any of my references. I answered yes. Also I explained u can not leave a voicemail giving details of the debt to my parents
Consumer complaint received 2021-06-21
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: Financial Credit Network Inc (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
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)

XXXX XXXX XXXX -Never Late for this account. After I moved the bank never update their file. Im not sure if they ever did. Please ensure all info is true, accurate and correct including all spelling, address, name etc. Remove ALL negativity or delete form my report. 

AMEX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-06-21
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: JPMORGAN CHASE & CO. (NY)

JPMCB CARD XXXX -Never Late for this account. After I moved the bank never update their file. Im not sure if they ever did. Please ensure all info is true, accurate and correct including all spelling, address, name etc. Remove ALL negativity or delete form my report. 

XXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

In XX/XX/XXXX I received a mortgage from the Veterans Administration ( VA ) for my home at XXXX XXXX XXXX XXXX, XXXX PA XXXX. After making 22 years of payments on my loan, my mortgage was transferred to a new mortgage company Shellpoint Mortgage in XX/XX/XXXX. Shellpoint Mortgage has stated that they have no record of my 22 years of payments. Shellpoint Mortgage states that I owe them {$71000.00} and I am on a new 30 year mortgage plan. My original mortgage amount in XX/XX/XXXX was {$65000.00}. Shellpoint Mortgage is committing fraud against my mortgage, they have stolen 22 years of my mortgage payments and fraudulently put me on another 30 year mortgage. I need your help.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (AR)

I wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Consumer complaint received 2021-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX I attempted to order a part from this company XXXX XXXX  They didnt have the part in stock but you can preorder the part so as soon as they get it in they will send it out. XXXX XXXX is partnered with a company affirm. You can use affirm to make a payment and pay back installments.I used affirm cause I did not want when the part came in I didnt have the funds available. So after 2 months they still didnt have the part. On XXXX I canceled the order, I received a email confirmation order was canceled. Later that month I received a bill from Affirm saying payment was due. I called Affirm & told them that ordered had been canceled. They informed me that it takes 2 to 3 weeks for cancelation to process. So I made a payment with the assurance that it would be refunded as soon as the cancelation was processed. On XX/XX/XXXX I called XXXX XXXX to make sure that the order was canceled and the information was forwarded to Affirm. Again I received a confirmation email of cancelation and told Affirm had already been informed. XXXX comes around in receive another bill from Affirm for payment again I call Affirm they tell me they have no information about cancelation. I was instructed to send a copy of letter from XXXXXXXX XXXX of cancelation. I did received confirmation that it was received. I called XXXXXXXX XXXX again and was told they dont know why Affirm keeps telling me to call them because there is no money to refund cause order never processed cause item never came back in stock and they already sent them confirmation of cancelation and thats all they do. I call Affirm again and now not only are they saying they didnt received anything from XXXXXXXX XXXX they also saying they never received any of my emails with the confirmations, and that I am responsible for the money even though XXXX XXXX say they never charged Affirm. This been going on for 4 months now and Affirm refuses to call XXXX XXXX or investigate but keepa telling me Its my responsibility. XXXX XXXX telling me there is no money there was no payment made to them so there is nothing to refund and they dont deal with the customer when affirm is involved and they gave me everything already. Affirm has put this on my Credit report and calling me making threats and told me recently that it is to late for them to file a grievance with XXXX XXXX cause its pass 60 days.
Consumer complaint received 2020-04-07
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. (AR)

I wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

When I go to apply for a bank account, I am being denied because XXXX XXXX is still showing a debt of XXXX that has been paid. I've spoken to XXXX XXXX and Bank of America about this situation. I have documentation showing this debt has been paid on Monday, XX/XX/2021. I would like to have this debt disputed so I will be able to open up a bank account. Thank you.
Consumer complaint received 2020-04-07
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)

I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX   XXXX XXXX  is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX  for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today