davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX State of california XXXX XXXX XXXX XXXX, TAX LIEN Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2023-01-13
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

HI CAINE & WEINERXXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$770.00}.
Consumer complaint received 2023-03-31
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. (GA)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2021-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

My wife and I were renting an apartment while our house was being built. When our house finished, we termed our lease, paid everything we owed in full per what the apartment management company sent, and moved out. About four months later, I received a collection notice that we did not pay a utility bill we never received. I immediately went and paid it. The management group agreed that it was their mistake but it reflected negatively on my credit report. I called the collection agency, had the management company on the phone to agree it was a mistake and to remove the collection and the collection company refused. They said there was nothing they could do. I have never once been late on a mortgage payment, credit card payment or any student loans I have owed. I have paid off all my cars, my credit cards every month and my student loans. The only debt I hold is a home mortgage and investment properties and have never been late or delinquent on a payment. However, my credit score is a sub XXXX. I used to be in the XXXX to XXXX range. That credit score has made it impossible to refinance at lower rates or get any new loans for investment properties at current rates. I have to pay higher for points. I need help getting this fixed so my credit score goes back to the 750+ range
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Got behind on mortgage payment in XX/XX/XXXX Called and had a deferment plan set up for 2 months The deferment was suppose to be for XXXX and XX/XX/XXXX We paid the XXXX XXXX XX/XX/XXXX payment and have not missed a payment since XXXX of XXXX During the agreed deferment that was signed in XX/XX/XXXX XXXX pandemic took effect We faxed the deferment agreement but the office was closed because of the pandemic We were advised to send to another office that was open We did this So XXXX and XXXX was deferred as far as our agreement We received a notice saying because of covid we could pay no payments or partial payments until XX/XX/XXXX We did not send in any partial or late payments We paid our full payments early or on time In XXXX I called Rushmoore as our mortgage statement said we were two months behind I explained the deferment agreement that had been signed They then told me that no investor at this time was offering the deferment plan I explained that this was done before the pandemic I have had no success getting this problem resolved I finally talked to someone who went back and checked all of our communications She stated that in XX/XX/XXXX that we were given a 1 month deferral for XXXX I explained we had payed XXXX so no deferral was needed Finally after many months of trying to straighten this out I am now told that we did not get a deferral for XXXX and XXXX only for XXXX This still means I am 1 month behind This is not right I have the signed agreement that was agreed upon How can Rushmore do this? I have the signed agreement and faxed copy ( dated ) proving this was our agreement Just because Covid slowed or stopped their business operations I should not be penalized I have spent many hours on the phone I even sent in a copy of the agreement I will not answer any calls from them anymore Rushmore has my contact email this is the way I have told them I want to communicate I will not answer any phone calls as I need to have in writing what is being told to me
Consumer complaint received 2021-06-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bliksum, LLC (WI)

This is tied to complaint : XXXX and XXXX The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. 
This company wrong presented a paid debt settled with LoanMe as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from LoanMe was disconnected ( according to the LoanMe rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. 

Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of XXXX. Lies.
Consumer complaint received 2021-06-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (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 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Im unable to login to my account to make payments or login at all their system doesnt recognize my infria ruin when trying to reset my username or password horribke and I want a credit line increase they never give me one Ive been loyal for years their system doesnt see this and I want contactless technology on the car tap pay and the gas pump stations should add it as bp this should become available
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (VA)

I created my gemini account on XX/XX/2021 and have been waiting to be verified ever since. I completed all the verification steps, but yet nothing. Also I contacted gemini customer support multiple times and nothing. Im unable to withdraw due to this and Im quite frustrated.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

MACYS/DSNB Account number - XXXX Account status - Closed Date opened - XX/XX/2016 Account type - Charge Card
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/2021, I made 2 transfers. Their tracking numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

In each of these transfers, I agreed to pay {$4900.00} XXXX plus a {$2.00} fee ) at exchange at a rate of {$1.00} USD = XXXX BRL ( Brazilian reais ), so that each recipient would recieve BRL XXXX. 
This was a bank deposit ( not cash pickup ) and my payment was made with debit card immediately. Each transaction has a status of " Completed '' with its respective receipt showing what I've just described ( {$4900.00} paid ; {$1.00} USD = XXXX BRL ; supposed payout BRL XXXX ) However, in actuality, only BRL XXXX were deposited in each of the recipients accounts in each of the 2 transactions. Each transaction is missing BRL XXXX. 

The recipient bank says there are no fees or taxes taken out, nothing is deducted on their end. This is corroborated by the fact that no other international transfer service has mysterious deductions from their transactions -- only Western Union. The Western Union transfer rate did not fall between payment and delivery of the deposit, it actually went up slightly. There is no explanation for why so much money is missing. It can not be from rate fluctuation. The rate was XXXX BRL  when I paid and was XXXX BRL  when the money was deposited the following day. 

I had contacted Western Union for an explanation or solution and have been given a vague answer that the contracted transaction is " only an estimate. '' No other money transfer service operates like this. There is no accounting from Western Union regarding EXACTLY what happened to the rest of the money. It appears that Western Union believes they can make a contract for a money transfer, take the payment, and then unilaterally change the payment amount to whatever they feel like paying without any oversight, specific explanation, or consequence. To this day, they can not provide evidence on why the payout deviates so much from what is shown on the receipt. I would never have agreed to engage in a transaction with this company had I known that they arbitrarily change the contracted payout amount after execution. 

I am attaching the transaction receipts showing what we contracted.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

Thus company continues to report on my credit report every week which has caused serious issues and damages to my military record and credit score. This company was notified several times and still continues reporting fraudulent debt. Once I filed this complaint the threatened to destroy my credit and began reporting the fraudulent debt every week. Pls see attached proof as a direct result my credit score has dropped 69 points.
Consumer complaint received 2021-06-24
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bendett & McHugh, P.C. (MA)

Since of XXXX we have been criminally harrassed and threaten with unlawful conversion. This fraudulent claim of an alleged debt is absurd since The us government is responsible for all public debt. This private property has no association with This fraudulent debt which these individuals have willingly and knowingly conspiring to violate our Unalienable rights of Freedom of liberty 's while acting under color of law. We have spoken to this debt collectors assistant XXXX on XX/XX/XXXX and informed Them in good faith to CEASE AND DESIST IMMEDIATELY ALL UNLAWFUL Activities upon our private estate. This property has been discharged and controlled by a Foreign trust which these individuals are willfully engaged in Criminal Trespassing AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Consumer complaint received 2021-06-23
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: Bread Financial Holdings, Inc. (NY)

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Comerica (AZ)

Comerica Bank USA has sent me a letter, that I owe them {$180.00}. 17. the letter is dated XX/XX/2021 I have never had a bank account or a credit card or a debit card or a loan from Comerica Bank They are threatening me to pay this amount, otherwise, they will report me to Collection Agency The so called Fraud Investigator is XXXX XXXX, telephone number is XXXX This is 100 % fraud, and I am not sure may be XXXX XXXX is also fraud, and hence I am not prepared to call her, and divulge my identity I request to please help
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint Mortgage is not Honoring an Agreement that they ( Shellpoint ) made up & signed in Federal Court ... .. 

Shellpoint Mortgage is still adding Fraud to my Account, something they said, in writing, that they would stop doing .... 

Please Help Me ....
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I did not discover a fraudulent check on my account until just after 90 days. I contacted the bank immediately, shut down my account, did everything they asked of me. Even with over 20 years of experience with multiple Chase Bank accounts, they refused to refund the amount ( {$1500.00} ) without even investigating the fraud, because it was beyond their contract terms. This is fraud, and should be investigated, at the least! They cashed a clearly altered check, but refuse to do anything to help me. This is a devastating amount of money for me, and the check was for my mother 's nursing home for her monthly care. Someone intercepted the check, erased my info, wrote in their own ( very different handwriting ). This short time limit is a ridiculous policy by the bank which clearly harms me, the customer/consumer, leaving me with not enough protection from my banking intuition. Their should not be a time limit on fraud. What if someone is sick in the hospital, and multiple checks are fraudulently cashed? There are many situations where 30, 60, 90 days can go by without being able to check every debit. I was recovering from illness, and like many others, was going through a stressful time in early 2021, so I did not catch this fraud in time. My mom 's nursing home also did not specify that they were missing funds until too late, which is when I checked my account and found the fraud. And what about my spotless record with this bank for over 20 years, and they can not make a single exception for their customer? The bank should have better fraud detections, when they know that there is so much fraud. How can they offer a product, like checks, tell you to use them, then offer not enough protection? I am finally making the switch to a credit union, as Chase Bank and all the others like them are just evil entities.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (CO)

Hidden fee is charge for additional loan payment being rejected. 

A fee of {$20.00} charged by Provident Funding Mortgage due to decline of bank transfer of additional loan payment. 

After further investigation with the bank, it decline by wrong account number. The account number type in for the transfer which I used in Teller often, but online transfer account number was different. 

Provident Funding Mortgage charged {$20.00} fee based on section 14 of the Deed of Trust titled " Loan Charges '' that indicate security instrument related.

The account setup system in Provident Funding does not provide a way to check bank account setup is good until a transfer is made. However, if the payment got rejected, it will charged us a fee, which not mentioned clearly in agreement too. 

If I knew this upfront, I will not make additional loan payment and caused me a fee.
Consumer complaint received 2023-03-31
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. (GA)

So much anxiety and stress is what I felt when I saw my credit report upon pulling it. I was hoping to purchase a home, but I can see a lot of suspicious accounts on it and inquiries that I didn't recognize and I never authorized. I filed a police report and listed all the fraudulent accounts and inquiries on it. Kindly see the attached documents.