davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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. (MI)

I want to start by saying thank you for looking at the items I sent in for investigation to XXXX, Equifax, XXXX   and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX District of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX XXXX   Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed 3 difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing 3 different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are 3 different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, US BK CT-XXXX XXXX XXXX, and Federal, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report.

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information. 

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America sent me a letter last week stating that they will be closing down all my accounts. 
This is outrageous I have been a customer of the bank for over 5 years and have never been involved in any form of shady transaction I need full explanation as to how this happened
Consumer complaint received 2020-04-09
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. (MI)

I want to start by saying thank you for looking at the items I sent in for investigation to TransUnion, XXXX, XXXX   and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX XXXX  of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX XXXX   Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed 3 difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing 3 different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are 3 different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, US BK CT-XXXX   XXXX XXXX, and Federal, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information.

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that TransUnion, XXXX, and XXXX  all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.
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. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

XXXX Timely escrow payments and treatment of escrow account balances. 
Section b ) Refund of escrow funds on loan payoff within 20 days. 

Dovenmuehle - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, IL XXXX XXXX Conventional mortgage loan paid in full XX/XX/2021Escrow balance : {$3100.00} Bank refuses to refund escrow funds, no reason given. They claim they issued a refund check XX/XX/2021, never received. 
ContactedXX/XX/2021 they said they would not issue a replacement check until 30 days had passed. 
Contacted XXXX, claimed they would process a replacement refund check. 
Contacted XX/XX/2021Refused to refund, no reason given. " It takes 60 to 90 days to process a replacement refund check ''
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

As of XX/XX/2020 This is to inform you that I've recently pulled my credit report and noticed that there's a collection listing from your agency on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. 
I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. 
I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX As of XX/XX/2020 The creditor and/or XXXX  has not been able to prove or show any evidence of any charges being made in my name. We have sent in numerous requests to ask for any documentation that you may have, and have yet to see anything. We demand that you remove these charges immediately! The next step will be to take legal action against the Creditor as well as " RM GALICIA/PROG MGMT SYSTEMS '' that has not responded or shown any proof at all! Please attach or send copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, XXXX and Transunion. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, XXXX  and Transunion and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

This is in reference to my XXXX  Credit card with Synchrony Bank, that I applied for in XX/XX/2019, After receiving my card to set up automated payments I called to make a payment and set it up with what was asked of me which was my routing # XXXX and checking # XXXX, I proceeded to use my card quite frequently during that time after for travel and personal use etc., my account became very high so in XX/XX/2019 I paid the card off. I planned a trip in XXXX for a little over {$400.00}, after that trip I came home started making payments once again per automation off my XXXX XXXX XXXX card. On XXXX XXXX I received a letter from SynchronyBank stating that my account was closed because of a number of dishonored payments. Since that date I have called Synchrony, many times until I was told that if my bank fax a letter stating I was in Good standing they would reopen my account, I talked to XXXX  and they composed that letter in which the stated the wrong institution and noted XXXX instead of Synchrony, but they received it at Synchrony ) and sent it to XXXX or XXXX, it took a few days but they reopened my account on XXXX XXXX stating they would contact all major credit bureaus to remove any delinquencies I was so happy my credit was restored because I have paid my bills on time, even before they were due, but was still puzzled why this was happening. XXXX preceded to make a payment of {$35.00} toward my account using the same automated system and on XXXX XXXX I received yet another letter stating my XXXX XXXX XXXX Visa card account through Synchrony Bank was a deny payment, why would I make a payment and then deny it? They said it was done online, I told them I never go online, only call automation, thats when my bank told them they were sending my payments to the wrong account because XXXX   requires all the numbers, they are stating I gave the wrong numbers they put in the last 4 which is XXXX which we figured was going to someone elses acct XXXX  informed them they need to put in all the checking numbers in order for payments to go through. Please I need help on restoring my credit
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NJ)

I was contacted by a minister XXXX XXXX and accused of having a balance owed to Wachovia Bank he said that it went into collection in XXXX. I suspected that this was inaccurate because I had paid off that's previous to XXXX in order to purchase a home. I researched online and find the number to call Wells Fargo for all Wachovia that's when I call the representative and gave my social security number they were not able to find anything in their data base connected to my social and no accounts connected to my name. The phone number that was left on my answering machine wasXXXX. Based on the information given to me by The Wells Fargo Bank representative this was a fraudulent call please investigate this claim thank  you. XXXX XXXX.
Consumer complaint received 2022-05-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # 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
Consumer complaint received 2020-06-10
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. (GA)

XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My XXXX wife ( XXXX XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling my credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The person I spoke to at the bank was XXXX XXXX The bank did not supply any evidence that I applied for this credit card and there is no way they have my signature for this account. I have another account with Capital One that I have had for many years that is not being disputed. How can a bank get away with opening an account in my name without my permission, a signature or any proof of whos opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. 
Please note that there were 2 fraudulent accounts opened with Capital One and I will file a separate complaint for the other account. Why would any consumer need multiple credit cards with the same institution. The bank definitively should have reached out to me to verify that I was the one opening these accounts.
Consumer complaint received 2020-04-09
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. (CA)

My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized accounts.
Consumer complaint received 2020-04-09
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. (CA)

My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized accounts.
Consumer complaint received 2024-03-15
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (CO)

To Whom It May Concern : We initiated a mortgage application via XXXX. The lender we initially pursued the loan with was Lending.com ( aka Finance of America Mortgage, LLC ). 

XX/XX/2020 ; approximately XXXX XXXX  MDT : When I initially spoke with the Loan Officer, XXXX XXXX XXXX, the subject of title companies came up. He was quoting me approximately {$1800.00} for title costs. I specifically asked if we could choose a different title company because I thought it had been cheaper during our last refinance. Mr. XXXX clearly indicated that if we did not use a title company of the lenders choosing, they would not want to pursue the deal. He offered a reason that because of the ongoing COVID-19 pandemic, their preferred title companies would be most useful to facilitate remote closing. 

However, when viewing the initial loan disclosures, which I have saved, there is clearly a form for me to sign indicating that I can choose whichever title company I prefer. Furthermore, the form indicates that one of the lenders title companies shares 100 % common ownership with the lender. 

XX/XX/2020 : I reached out via email to Mr. XXXX because I wished to put him on the record and keep the correspondence in writing. At this point I wanted clarification and was not averse to still using his company for our loan purposes. However, and I saved the email thread, he tried to say that he specifically told me on the phone we could use a title company of our choosing. This was a blatant lie and It is my belief that he only changed his statements regarding title companies once I put him on the record by putting the correspondence in writing. 

I realize there is no way to prove the contents of our phone call. The best I can do is provide timely documentation of such things thus creating a time stamp. 

That being said, I did wish to go on the record and provide formal complaint of his dishonest practices. 

Sincerely, XXXX XXXX