davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
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. (AL)

XXXX, XXXX, transunion will not remove a fraudulent charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.
Consumer complaint received 2021-07-26
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. (TX)

Submitted an investigation with credit bureau and XXXX both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.
Consumer complaint received 2021-07-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (KY)

XXXX charged my husbands bank account twice after being informed that he passed away then charged me XXXX dollars for a charge back. Called the company informed them what they did was wrong they told me it was my banks fault. I called my bank they had no transactions like that other then denying the charge but never charged me a fee. 
XXXX failed to inform me that the insurance policy was canceled due to my husbands passing instead sent emails to my deceased husbands email which o had no access to. Sent me a letter 30 days later telling me that they are charging me XXXX dollars because I had no insurance for 30 days. Contacted the company yet again told them and they said it was the insurance companies fault and not theirs and that I was out of luck. 
XXXX filed for bankruptcy that doesnt include my house but I need a reaffirmation agreement and they refuse to provide me with one unless I refinance or affirm. I told them I would refinance they said I was not eligible because of bankruptcy and I said well let me reaffirm they told me it will take 9-12 months. They told my lawyer I need to assume the loan or surrender my house immediately. I have not missed any payments. Now they refuse to return or call myself or my bankruptcy attorney back. After several calls they just give me the run around and claim my loan is not found.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Alliant Capital Management LLC (CA)

I checked my job VM system and saw this number  XXXX  I thought it was my client so I listened to the message. It was someone who said his name was  XXXX   XXXX  from  Alliant /capital? managemen  XXXX  calling to get my side of the story on a debt I owed before legal actions were taken he said I needed to call  XXXX  him that day  XXXX / XXXX /  XXXX   by  XXXX  ... First off this is my job he called on a Monday which I do n't work Mondays so there was no way I could have called him back secondly I can be terminated for these types of calls and I have no idea what debt they are speaking of I have not signed any contract with  Alliant Capital Management..
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

On my Equifax credit report there is information on there that has been paid off and they are still showing it on my report with balances. I reported it to the XXXX  and they said that the information was showing as inaccurate but still refused to delete it from my report. When I spoke to them after I received the response from the XXXX they told me that they up date the information every 30 days. I paid those loans off on XX/XX/XXXX and it's almost XXXX and they are still on there. There is also two hard inquiries that should have fallen off one the XXXX and XXXX of this month and those are still on there as well. She also told me that on her end those were removed but just hadn't been removed on my end. I want to purchase a house and those balances will hinder me. That is why I paid those off. Both of the other credit bureaus took those items off as soon as they were reported as being paid off. But they keep telling me it takes 30 days to report. Well if they took them off on their end why didn't they take them off on my end. When I log in to my report I still see them.
Consumer complaint received 2021-07-26
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: Nelnet, Inc. (OH)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2023-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I saw an ad on a trusted website ( XXXX ) looking to adopt a puppy, I applied for one and the owner contacted me the next day. The original price was {$75.00} and the puppy was a female, but when I talked to the owner he changed the price to {$120.00} and that the puppy was male. I told the owner that I didn't want to pay until I saw the puppy in person but we came to the agreement that I would pay {$50.00} upfront and the rest when I met him and the puppy. Over time he tricked me into paying another {$50.00} to the vet that was his neighbor. I talked to the vet for a while and they sounded similar and typed in a similar way, and he asked me to pay {$25.00} for his ride which was never part of the agreement. In total I ended up paying {$120.00} and when it came time to meet the puppy and the vet at the chosen meeting spot he never showed up and denied ever getting the last payment. I talked to my bank and they said that he did ( I paid through Zelle on the XXXX XXXX app ), he kept saying that I never did pay and that I needed to send another {$25.00} dollars. I told him that I wanted all my money back. Later that night he tried to call me and asked for another {$50.00} via XXXX. I have all the screenshots, I added them below.
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

{$6200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

I handle business for my company for several months utilizing paypal with no issues. 

At one point my supplier was late sending a product shipment. This cause many people to file complaints. As the products came in a shipped them out ( with tracking ) asap, but many were late. 

About 160 days or so prior to XX/XX/2020 my account was put on hold and I was told I had to wait 180 days to receive my funds. On XX/XX/2020 Paypal neglected to follow through with their original promise and deducted EVERYTHING from my account to credit themselves, unjustifiably. 

I contacted them on multiple occasion and have yet to receive a valid explanation as to why they took my funds and caused my business to fail in the promise
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MS)

I contacted XXXX the original debtor. There was a error in there system I paid but they sent my account to collections by mistake. XXXX provided me with a audit form to send to the collection agency to prove I paid this account. They still haven't removed this account from my credit report.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm writing this complaint because I have had several issues with the XXXX, Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (NJ)

On the day XX/XX/2020 the agency UNIFIN contact me to collect a debt to XXXX XXXX XXXX on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I have been contacting LOANCARE for 8 weeks requesting a 90 day forbearance. My loan is Fannie Mae owned and even the customer service representations at LOANCARE have verified that I am qualified for the 90 day extension. But they say a " team leader/supervisor '' in collections must issues the extension. I sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with all necessary info. and the request and that fact that they were not responding. I made calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also explaining he situation and their lack of response. @ times i was told my issue had been " elevated " and 3 times I requested to speak with a " team leader/supervisor '' as I was told they were the only ones who could correct the issue. All 3 times they were supposed to call me back and each time I answered they disconnected before I was able to speak with anyone. The wait times on the phone run into hours and they NEVER respond to emails at ANY of their addresses. Their lack of ability to properly service my loan is causing me financial difficulty and is violation of the federal cares act as well as federal loan servicing standards.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I had my mortgage set up for automatic payments. These were bi-monthly payments of {$600.00}. Without my consent/request, XXXX XXXX  XXXX company charged me for the month of XX/XX/XXXX my bi-monthly payments ( {$600.00} x 2 ) plus an additional complete house payment ( {$1200.00} ). They essentially took 2 whole house payments for he month XX/XX/XXXX. They did the exact same thing for the month of XX/XX/XXXX. I did not set this up or request it. The only way that I new this was happening was when I looked at my bank account it was almost empty. I need the 2 extra payments they took from returned to my bank account immediately. I have been talking to XXXX for the last 3 weeks. No one at XXXX is doing anything to help me with this issue. It is causing me severe financial hardship. I was told 3 weeks ago that I would receive a check. I have called XXXX several times to find the status of this check. No one at XXXX can find the status of this supposed check. When I call XXXX, someone looks at my account history for the months of XX/XX/XXXX and XX/XX/XXXX and they say " wow, this is really a mess. How did this happen. We will definitely have to figure this out. '' Although no one at XXXX has done anything about it yet. Every time I call no one seems to be able to help me.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 : XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX {$7200.00} XX/XX/XXXX 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 2021-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

This company is attempting to collect a debt NOT owed to them nor to XXXX XXXX  XXXX Credit Control Corporation failed to honor that this debt is covered by my medical insurance. I have monitored my correspondence with them closely & contacted them 7 times in the last year dating back to XX/XX/XXXX, XXXX Credit control corporation reported this erroneous debt to the Credit Reporting Agencies and refuse to remove this debt NOT owed. These negative incorrect remarks have been reported to the credit bureaus and has tarnished my great credit history. I have been in great distress and have suffered multiple migraines and panic attacks due to this situation! 

I demand that you remove these incorrect remarks immediately! To add insult to injury, you have private details about my medical history and records THAT I NEVER GAVE AUTHORIZATION FOR YOU TO HAVE!! WHO AUTHORIZED THIS??! This is an invasion of my privacy, and A HUGE VIOLATION OF MY RIGHTS under the HIPPA Law!! My rights have been violated with the transfer and misuse of patient private medical information! I am immediately filing a complaint with the U.S. Department of Health and Human Services Office for Civil Rights for a health privacy-security violation against XXXX XXXX XXXX! I will also be reaching out to my attorney immediately to pursue a lawsuit against Credit Control Corporation because you have violated my consumer rights under the FDCPA! The harassment from the phone calls and letters is causing me an enormous amount of distress and I will seek compensation accordingly.
Consumer complaint received 2021-07-26
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. (FL)

I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to Experian to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.
Consumer complaint received 2021-07-26
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. (FL)

I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to XXXX  to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MANN FINANCIAL INC. (MT)

Mann Mortgage made an over payment of my property taxes in XX/XX/2021. This resulted in an apparent shortfall in my escrow account, which they want me to make up for with a 12 month shortage spread. In addition, they projected the same error into XXXX. This mistake doubled my escrow payment for taxes from {$2400.00} to {$4800.00} for the coming year. 
As a result of these errors, they want to increase my monthly escrow payment beginning XX/XX/XXXX from {$270.00} ( {$200.00} tax + {$70.00} Insurance ) to {$690.00}. 

In addition, the payments they have projected do not reflect the actual increase in property taxes that occurred this year. According to my tax statement from XXXX County, my annual taxes increased from {$2400.00} to {$2900.00}. My semi-annual tax payment from escrow in XXXX should be around {$1400.00}. Instead, they project a payment in XX/XX/2021 of {$1200.00}. 

I am filing this complaint because I have reached out to Mann Mortgage but I have gotten no response. I called their customer service number on XX/XX/XXXX and spoke at length with a representative. I was told that the matter would be reviewed by the appropriate department and that I would be contacted within 10 days. Having received no communication, I called them again today, XX/XX/XXXX. I again spoke with a representative who told me, " We don't give call backs '', and that the issue " should be resolved by Friday ''. 

This is unacceptable customer service for a product with a 30-year life span. My property is a duplex. I live in one half and I rent the other half. So in addition to being a homeowner I am a small business owner. I need to recalculate my tenant 's rent in a timely manner before their lease expires XX/XX/XXXX. Mann Mortgage 's poor customer service is making that very difficult.
Consumer complaint received 2021-07-26
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. (AL)

Experian, XXXX, XXXX  will not remove a fraudulent charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.
Consumer complaint received 2021-07-25
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: CREDIT ACCEPTANCE CORPORATION (OH)

I the the consumer aka the creditor have believe that i am a victim of identity fraud and have been held accountable for other false allegations. I spoke with the company about removing these alleged late car payments off of my credit file numerous times and no action has been taken place. I also spoke on a recorded conversation ( on their behalf ) and was told that I owed this debt. According to 15usc1681 this is a disclosure to the consumer ( me ) and is in fact against the law. I believe this debt falls under 15usc1681j charges for certain disclosures this contract is not signed by me the contract states that all documents are signed by me and the dealership with signature, everything is typed and electronically noted without my permission.Also even on the contract it says that the contract was wrongfully noted i have proof from the contract itself which is also considered tampering which is against the law. Lastly the contract states that I have the ability to dispute or resolve this issue. I am not a lawyer or attorney and neither am i making threats but under 15usc1679g any person who fails to comply with my request as the creditor will be held accountable.