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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 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 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Last XX/XX/XXXX at about XXXX XXXX while Im at work, I got a call from Citibank. I knew the call was from Citibank because I have that number in my phonebook. After the guy introduced himself as a Citibank associate, he asked me if Im trying to purchase something from XXXX at the moment. I said No, Im at work. He said well, somebody is trying to make some unauthorized transactions in your account right now. Therefore, we have to cancel your atm card and order you a new one for security purposes. I said just do what you got ta do. I spoke to him for about 15-20 mins. During the conversation, he sent text to my phone with a code and asked me to read it back to him. Since I knew that I was talking to Citibank I read the code back to him. At the end of the conversation, he suggested that I proceeded to a Citibank branch to also close my account and open a new one. I went to the XXXX branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to do that. While Im at the bank waiting, I used the Citibank app to check my account. Thats when I noticed 3 different wired transfers totaling {$3700.00} to a certain XXXX XXXX I almost had a XXXX XXXX. I spoke to a banker by the name of XXXX XXXX of NMLS # : XXXX. She tried to calm me down. She helped me close and open a new account. She guaranteed me that within 7-10 days I would be getting a provisional credit for the amount stolen. So, I figured she did everything necessary for the credit. At this point as I go home, Im trying so hard to keep my sanity intact. This guy just stole my stimulus check. Im a poor man living paycheck by paycheck. I have a wife and XXXX kids. Also, my mom is old. Shes also my responsibility. Anyway, that happened on a Tuesday. The following Monday I started to call to find out about provisional credit, only to find out that the banker didnt even put in a dispute. So, I filed for the dispute on XX/XX/XXXX. I gave it about 2 weeks, and I started calling to know the status. Calling that Citibank fraud dept is so stressful. Sometimes, you spend 2 hours before you finally speak to a supervisor. But I keep calling everyday and I keep getting high hope every time. Everybody keeps telling me its just a matter of time. I will get my money back. One of the rep even told me in as little as 2 days I would get my money. I was very happy. Until I called last Thursday XX/XX/XXXX, and somebody told me that things get a little complicated because XXXX tried to get the money and the scammer already withdrew it. So, now I have to get legal assistance. Ive never been so shocked all my life. To top it all, the scammer made 3 wired transfers to himself. Citibank charges {$25.00} for each transaction. Even that {$75.00} transfer fee they didn't return to me. That's extremely unfair. Right now, Im going out of my mind and thats why Im reaching out to you. Please help help help. Thank you in advance for your help and cooperation. I really appreciate it.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Western-Shamrock Corporation (TX)

Account name WSTSHMRK Account # XXXX I am submitting this complaint regarding attempts by debt collection agencies to collect a debt they claim I owe, associated with XXXX and XXXX XXXX. Despite my repeated requests for written verification of the debt, as well as letters to the credit bureaus, and requesting proof of their identity and authorization to collect this debt, the agency has failed to provide any such documentation. I have asked for this verification within the legal timeframe, as per the Fair Debt Collection Practices Act ( FDCPA ), and have yet to receive a satisfactory response. This lack of compliance has prompted me to seek intervention from your agencies. The accounts in question are reported on my XXXX and XXXX credit reports under the account numbers. I believe this practice is detrimental to my financial standing and mental health, and I seek your assistance in resolving this matter under federal consumer protection laws.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

In XX/XX/XXXX, I refinanced my mortgage with XXXX XXXX XXXX XXXX ( now XXXX XXXX ). They sold my mortgage to Dovenmuehle Mortgage Inc. in XX/XX/XXXX. My first payment to the new mortgage company was made in XX/XX/XXXX, and that payment, as well as all subsequent payments, included {$370.00} for an escrow account to pay property taxes and hazard insurance. My most recent escrow analysis, dated XX/XX/XXXX, includes a line item for property taxes in the amount of {$1600.00} to have been paid in XX/XX/XXXX. That never happened, and I was not aware until I had my income taxes prepared in XX/XX/XXXX. Upon learning of Dovenmuehle 's negligence, I began contacting the company 's customer service department. As a customer service rep could not assist me, I was transferred to a supervisor who stated that the company initiated a work order in XX/XX/XXXX to investigate why my taxes were not paid. The work order expired without any action being taken. It was not until I began contacting the company in XX/XX/XXXX that a new work order was requested. Again that work order expired. We are now on the third work order, and still there is no resolution. In the interim, the treasurer for my county has threatened to sale my home on XX/XX/XXXX if the taxes and penalty and are not paid in full. I have requested that Dovenmuehle cancel my escrow account and refund me all of the money in the account so that I can take responsibility for paying my taxes and insurance. Time is ticking, and I still can not get a straight answer from the company. The mortgage company has assigned a specialist to assist me in this matter, but I can not establish contact with the individual. The specialist sent me an email from a generic account, and when I call the phone number provided, it goes to voicemail. Now the voicemail box is full.
Consumer complaint received 2021-03-17
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. (PA)

I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed. Thanks you
Consumer complaint received 2021-06-16
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: Affirm Holdings, Inc (MS)

In XXXX of XXXX and XXXX of XXXX, five different loans were opened in my name using an address of XXXX XXXX XXXX, XXXX, NC XXXX. The five loans where through a company called Affirm Inc. and ranged in cost from {$8.00} to {$3700.00}. That address has never been a residence where I have ever lived. 
In XX/XX/XXXX, I called Affirm and spoke with XXXX about my fraudulent claim but no help. 
I called XXXX and spoke with an automated phone service and that resulted in zero help. 
I disputed the loans online through XXXX and that did not help me either. 
I then sent an Identity Theft claim through the Federal Trade Commission and that resulted in 4 of the loans being taken off my credit report. The loan that remains is the {$8.00} one and it is listed as a charge-off. Also, that address is still listed on my credit history.
Consumer complaint received 2021-03-17
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)

The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.
Consumer complaint received 2021-06-16
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. (IL)

I've sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.
Consumer complaint received 2021-06-16
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: EQUIFAX, INC. (NY)

To a supervisor that can help me, I am reaching out to you because I have submitted requests to these companies to remove inaccurate accounts from my reports and they have not responded to me. My letters were sent on XX/XX/2021 and I feel as if my situation has been ignored. After not receiving any correspondence back within 30 days I conducted my own research into the Fair Credit Reporting Act and found that Federal law requires companies involved with discrepancies of credit reports must respond within thirty ( 30 ) days ; at this point it has been almost 60 days ( 57 to be exact ). More specifically, Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please delete immediately delete these invalidated accounts from my report. This has caused me significant stress and am at I point where I am looking to implement litigation if they fail to remove these items. Last but not least, I was affected by the Equifax data breach and this may be the result of the inaccurate items on my reports.
Consumer complaint received 2024-01-30
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2021-06-16
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: BARCLAYS BANK DELAWARE (CO)

In XXXX or XXXXXXXX XXXX XXXX, I received collection calls regarding an account, I thought it had to be incorrect so I ignored the calls. I pulled my credit reports in I XXXXXXXX XXXX XXXX and saw an account that had closed and gone to collections. I sent a dispute letter to all three Bureaus on XX/XX/2021. I received a letter stating " it was valid '', I sent a identity theft dispute through the FTC identity theft portal, then sent the confirmation number and another letter to all three Bureaus in XX/XX/2021, and received no response, I then sent another follow up letter with all the supporting information again XX/XX/2021, and I see notes on my credit report that I disputed this, however it is still reporting to the bureaus and I have yet to receive another response. They are in violation of my FCRA rights. I have no access to this alleged account, and have submitted what I was told to submit from the on line information.
Consumer complaint received 2021-07-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I filed an dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation results. XXXX  is reporting XXXX credit as open account, collection and derogatory account at the same time which is in violation of the credit bureaus and my rights. XXXX  is also reporting XXXX and Portfolio which has been deleted of XXXX  .I demand the credit bureaus take off everything I didn't authorize. The companies owe me {$3000.00} dollars for violation my rights. Thanks
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these-reporting accounts 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 accounts below : XXXX XXXX Balance : {$2000.00}, XXXX  XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (AZ)

I applied for a CareCard back in XXXX of last year. I was given a credit limit of {$1000.00} I used this card to get some dental work. Since i got this card, I have never been late, and I have made all of my payments on time. On XXXX of this year without any explanation, they reduced my credit limit from XXXX to XXXX causing my credit untilization to go up, causing my credit to down my XXXX points. I called the customer services and the agent informed me that I was going to get a letter explaining what happen. I never received the letter. 

I made the decision that I was going to paid the balance on this card and closed. Today, I got a statement indicating that they are charging me XXXX in interest rate. making my card to go over the credit limit. I called customer services and after waiting for 1 and 12 minutes, I was told that if I paid {$250.00}, they will removed the {$360.00} interest in my card. THAT DOES NOT MAKE ANY SENSE TO ME!
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX this account was established XX/XX/XXXX without my knowledge I have tried to reach out to you guys to this account was a fraudulen The Opened, the account ending in Account ending in XXXX first of all it doesnt even have my correct name. Im not a SR The solution that Im looking for is remove this from my credit bureau.
Consumer complaint received 2021-06-16
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. (TN)

I filed a complaint with this company on XX/XX/2021 and received a response back on XXXX XXXX. The response was from the company Senior Staff Attorney " XXXX XXXX. '' Mr. XXXX responded in the bottom portion of the letter " At this time, we have nothing to suggest that this account does not belong to you. Should you have any documentation that would be helpful to our investigation, we would be happy to review it and investigate further. That being said, we have made a business decision to close your account and you are no longer responsible for the remaining balance. The company then goes back and contradict everything they wrote in black and white and put this account back on my credit report on XX/XX/2021. A month later.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Progrexion Holdings, Inc. (CA)

from : XX/XX/2021 to XX/XX/2021 paid creditrepair.com to help with my credit score. by removing derogatory remarks and to make my credit score number to appear and be available. 


need help
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV INC. (NY)

I received a Debit card for the " first time '' from Money Network Cardholder Services on XX/XX/2020 with only a {$16.00} credit balance instead of the {$2400.00} stimulus money that was issued to me by the Federal Government. 

I contacted Money Network Cardholder Services ( Card issued by XXXX ) to complain that I only was provided with {$16.00} instead of {$2400.00}. I received a break down from Money Network Cardholder Services showing usage on an account between XX/XX/2020 and XX/XX/2020. I did not have a debit card in my possession during the month of XX/XX/2020. The first time I received a debit card was on XX/XX/2020. None of the debits made in XX/XX/2020 were debits made by me. I am not sure if XXXX has provided me with a breakdown for someone else 's card or if a card was sent to me prior to XX/XX/2020 and the charges made in XX/XX/2020 are unauthorized/fraudulent transactions. 

My complaint/dispute has been ignored. It will be almost one ( 1 ) year and I have still not been provided with the {$2400.00} in stimulus money allocated to me.
Consumer complaint received 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Sent my payment check number XXXX for {$790.00} and wrote on memo it was payment and account number. They applied it to my escrow account which they impound with payments and they applied they payment to escrow. I also sent a escrow shortage payment and wrote that on memo and they didn't apply that to anything? Now they state my payment was made on XX/XX/21 when it clearly cleared the bank XX/XX/21. These errors can affect my credit score and they refuse to correct dates.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: EQUIFAX, INC. (TX)

Effected by XXXX XXXX 

Contracted XXXX XXXX in XXXX of XXXX, was effected until XXXX of XXXX. It's still an ongoing battle struggling with my XXXX  health which took a hit as a result of hardships created by XXXX XXXX  After loosing my job in XXXX because I caught XXXX  and it wasn't really a thing yet that employers understood or recognized then. I became XXXX and have been under the care of doctors since that time. I have no memory of opening this account or making payments towards it. I have asked for verification from XXXX that I opened the account. They have sent me zero evidence that I opened the account. Their only response was that it was an online application, but sent me XXXX verification that I opened it. If they could prove to me that I opened it, that I spent money on that card, and that this wasn't the result of identity theft I would gladly make arrangements to pay it, and ask that they respect the cares act, and remove all late payments .... BUT first I need verification from XXXX that I actually opened the debt. During this same time frame there was another credit card that was opened and investigated that was the result of identity theft. I am a verified victim of identity theft, and would appreciate the added assistance I need to verify the debt is legitimate from XXXX I do not feel that this is too much to ask. Especially for one effected by XXXX  and identity theft all at the same time. Thank you in advance for the help you gave me during these extremely troubling times. 

EQUIFAX DONT GIVE ME ANY GRIEF ABOUT MY ADDRESS, I RECENTLY APPLIED FOR CREDIT WITH NEW ADDRESS. UPDATE YOUR SYSTEM! DONT DENY ME ACCESS.
Consumer complaint received 2021-06-16
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. (KY)

A collection was added to my account that was settled. I sought legal action against XXXX XXXX and this was previously removed. I would like this to be removed from my report as it is not correct information and it fraudulent.