davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2019-06-18
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. (GA)

XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2024-03-11
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 am writing to formally request a reinvestigation into my ongoing complaint against Transunion regarding XXXX XXXX XXXX XXXX XXXX. Despite multiple disputes and complaints previously filed with your office ( CPFB XXXX XXXX XXXX XXXX XXXX, CPFB XXXX XXXX filed on XX/XX/XXXX, and CPFB XXXX XXXX XXXX XXXX XXXXXXXX ), Transunion has consistently failed to report accurate information on my credit report. 
The most recent update by Transunion on this account, with the status and balance being updated in XX/XX/XXXX, still presents a significant issue- the payment history is either missing or incomplete. I am deeply concerned about the impact this inaccuracy has on my creditworthiness. I am formally requesting the immediate deletion of this inaccurate and incomplete information from my credit report. 
I have attached documentation of which highlight the persistent issues I am facing with Transunion 's reporting practices. 
Moreover, I want to bring to your attention a lack of resolution, inaccuracies, and credit reporting violations by Transunion, as permitted by the Fair Credit Reporting Act ( FCRA ) guidelines. Despite my continuous efforts to resolve inaccuracies in my credit report with Transunion, particularly regarding the account mentioned above, Transunion has failed to provide a satisfactory resolution, and their reporting continues to violate FCRA guidelines. 
It is noteworthy that this account is not even reporting on XXXX, further emphasizing the discrepancies in Transunion 's reporting practices and potential violations of FCRA law. 
As outlined in the FCRA, specifically FCRA 611 ( 15 U.S.C. 1681I ) - Procedure in case of disputed accuracy, if after any reinvestigation of information disputed by the consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 
I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes the necessary steps to ensure compliance with FCRA guidelines. I am seeking the immediate deletion of the inaccurate and incomplete information from my credit reports. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will facilitate a fair and timely resolution.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I am writing to request your assistance in resolving an issue regarding a {$200.00} transfer made through Cash App to my XXXX XXXX account on XXXX XXXX XXXX I have encountered difficulties in tracking the funds, as both Cash App and XXXX XXXX deny having received them. 

According to my Cash App statement, the transfer to my XXXX XXXX account ( XXXX ) was completed on XXXX XXXX XXXX. However, upon reviewing my XXXX XXXX statements, there is no record of a {$200.00} deposit. I have contacted both Cash App and XXXX XXXX to resolve the issue, but both parties maintain that they do not have the funds in question. 

I am requesting the Consumer Financial Protection Bureau 's intervention to help me track down the missing {$200.00} and ensure its proper deposit into my XXXXXXXX XXXXk account. Please find attached my Cash App and XXXX XXXX statements, which substantiate my claims. I hope that your involvement can expedite the resolution of this issue and help me recover the missing funds. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliver Adjustment Co. (MD)

I have attached the collection notice that Oliver Adjustments Co , Inc. sent to me yesterday. It is apparent by the address on the collection notice that all original bills were sent to the incorrect address as XXXX XXXX XXXX is not my address and there is no XXXX XXXX  in our entire county. 

I tried to discuss this issue with the original doctor 's office, but they refused to speak with me and Oliver Adjustment Co , Inc. has threatened to ruin my credit if this incorrect notice is not paid immediately even though all correspondence was sent to an incorrect address.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$980.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

Scammer falsely claimed to be selling an oud ( musical instrument ) on XXXX marketplace, insisted on purchaser ( me ) sending a partial deposit via cashapp in advance of actual purchase because of ( supposedly ) other interested buyers. As planned date of meetup approached, scammer insisted on full payment in advance of meeting, and refused to even consider the idea of payment upon meeting or even re-doing payment with buyer protection enabled via a different service. Meanwhile, I had my friend ask them if the item was still available, and they said yes. When it became clear that I was not going to send them more money without receiving the instrument, they blocked me and deleted some of my messages in the chat.
Consumer complaint received 2020-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reached out to the bureaus on multiple occasions and they have not honored my request in a timely manner. I sent in disputes on XX/XX/XXXX and I need this request completed and items taken care of.
Consumer complaint received 2017-12-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I was denied a VA refinance with Carrington Mortgage, my home is in Michigan and I have a second state residence of Alabama part of the year because I work part of the year in Alabama. The Mortgage company researched my voting registration and says since I 'm registered to vote in Alabama, and researched my adult son and my grandchildren who lives with me and researched my grandchildren school registration in Michigan at my address and denied me. I never heard of such invasion they checked my XXXX and found I was XXXX and on the day of closing came up with all of the above.
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (IL)

I'm having a problem with Equifax Credit Bureau. I tried setting up an account at XXXX   But everytime I try logging in it gives me an error message to call. Which I will attach. I called Equifax to dispute a transaction and to ask about XXXX. The representative said she wasn't able to help me with the online account but was able to file the dispute. She never transferred me to anyone that could help with the online account. I called back to remove the fraud alert with no problem all info was successfully verified. That was about 3 weeks ago. But for 2 weeks I've bern trying to contact Equifax so I can get access to my online account. I put in all my personal info and then automated system says I cant speak with anyone. I've also tried ordering a credit report and Equifax sent me a letter stating they couldn't provide me with a report because I have no credit file. I need access to my info and status on disputes that I have filed. This should not be happening. All info I've entered is correct. I've even verified all info thru my XXXX XXXX account.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I had a mortgage and escrow account with Freedom Mortgage ( https : //www.freedommortgage.com/contact ) for my condo. I paid all my monthly bills on time but they never paid the 2021 second half property tax for my property. I called them immediately after I found the issue and learned that they used the money in my escrow account and paid the tax of a *wrong* property that is not owned by us. 

I filed several notice of errors with them, they replied my mails with unrelated information but they never corrected the error. I had to pay for my property tax as well as the penalties and interests myself. 

Now they transferred my mortgage to another company and they refuse to correct their mistake by saying " the service has been transferred to another company ''.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

I called into Wells Fargo Bank on XX/XX/2022 to issue a stop payment. They charged me a fee of {$31.00} and the stop payment was never enforced. I went into the branch to close my account and open a new account and was told that the pending transactions were on hold and the account would automatically close once the transactions were cleared. Wells Fargo deducted {$38.00} from my account on the following day XX/XX/2022. When I called to question the withdrawal they admitted it was an error on their part and stated they would return the amount. In the process it made my account a negative for a {$210.00} pending transaction. My payment was returned with insufficient funds fee and a return check fee from the company. I went into the branch again on XX/XX/2022 because my account was closed and there was a remaining balance of {$260.00} and it was not transferred to the new account, or to my joint account. The transaction was described as " PAY OFF DEBT NON INTEREST WITHOUT FEE '' I asked what this consisted of and nobody had ever saw this type of transaction before. I stayed at the branch for 2 hours but to no avail they did not know where my money was. I have filed complaint after complaint. I call every day and I speak to several customer service reps and no one can tell me where my money is and they all say the same thing, " They can not issue me my money '' They are investigating my account to see where my money went. They clearly took the money out of my account and refuse to give it back. They said it could be up to six weeks for them to find my money and issue me a cashiers check if they find it. This is clearly a case of THEFT and FRAUD. The people assigned to my case has not been to work since the case was started on XX/XX/XXXX.
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I am trying to get my mortgage loan statement rectified. I have been dealing with this for six months, The company stated that I was short on my payments when in fact I was one payment ahead of schedule. They adjusted my payment receipt schedule and I feel it still not accurate as of XX/XX/19. They told me my payments were up to date but I feel the adjustments they made on the loan activity statement are incorrect. I have spoken to several agents of their organization and just can't seem to get them to understand the issue.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (LA)

I have EXPERIAN monitoring. they are also matching me up with cards and when I apply for those cards I get denied and when I called them today and asked to speak to a supervisor I was given the runaround and was given to a lady who and when I asked her if she was a supervisor she would not give me a direct answer when I kept pressing her for the information I needed she kept threatening to hang up on me and telling me that she did not have to give me her supervisor even though I asked numerous times. I pay for this service and I wanted to do was speak to a true supervisor someone who could help me with my issue. I again was not given a supervisor or a person that could answer any of my questions legitimately and when I asked them to help me and give me the supervisor at the main person in charge of that department I was told they do not have to do that which I think is illegal
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Funding was collecting money from me, as stated in a response from them, they have collected XXXX $ on an account THAT then WAS transferred, WITHOUT REFLECTING THE UPDATED BALANCE OR GIVEN REASON THEY SOLD MY ACCOUNT. One account that they bought was a result of Identity Theft and since the investigation of identity theft began they sold this second account they were handling, the first company they sold it to was called, XXXX XXXX XXXX XXXX, i contacted the 3 main credit bureaus about this account and due to their investigation, they deleted it, shortly after telling Midland about it being deleted, it appears that they got the account back and sold it to a new company. I am unsure as to why all of this happened and why they collected money from me to just sell it twice, with not reflecting all what i had paid on this account, but the more this goes on, the more i am concerned that this account is as well a result of Identity theft, as well as the other account they were handling. Attached is the police report regarding one of the other accounts that was closed due to identity theft and also attached is when XXXX deleted the account, as midland referenced, account number XXXX, was deleted from my credit report, and lastly attached is Midland 's response when they deleted the main account due to identity theft.
Consumer complaint received 2022-05-25
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. (AZ)

I have 2 inquiries that I did not authorize and have 3 credit card accounts that have in- accurate dates of last acitvity and a inaccurate charge off status and 2 previous addresses I never lived at
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sequium Asset Solutions, LLC (MS)

Sequium Gave out information without getting my consent this would be the second time they have Gave out my information to someone other than me. I have not spoken with Sequium for the bill that was sent out to them by XXXX XXXX XXXX. A woman called as stated by rep.
Consumer complaint received 2019-06-18
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: Experian Information Solutions Inc. (NJ)

Experian Credit Bureau is unfair to me because what Experian has on my report other companies do such as XXXX and XXXX. I only saw my score when I applied for a secured credit card through XXXX and XXXXXXXX XXXX. My score was XXXX when the banks showed me. I contacted them but I can't never get to a human to talk to me. My score with Experian is 105 less than XXXX and 86 points less than XXXX. Experian takes longer to update positive information on my credit and fast on updating negative information.
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (NC)

I get calls repeatedly from XXXX claiming to be from Optimum Outcomes INC for a XXXX XXXX. I do not know a XXXX XXXX ; I assume he had my phone number previously. The calls are always a recording and always leave half of a voice mail message because their autocaller is n't smart enough to wait for the answering machine to pick up. The caller always tells me that if I actually listen to my own voice mail, I am acknowledging that I am this XXXX XXXX person. I 'm not. 
This is a list of only a few of the many calls I 've received from this company for the past year : 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 2024-03-11
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. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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 and update them immediately in my report : 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 2019-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (NY)

XXXX XXXX  XXXX sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same Discover debt. This money should be barred according to NYS law.
Consumer complaint received 2019-11-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST ()

My husband and I visited Bank of the West XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to open CD on XX/XX/XXXX. We discussed with the banker about a CD, the interest and I remember my husband asking about the cancellation penalty. He said " There will be no penalty, if we give a 3 months advance notice. If you want to cancel immediately, the penalty will be 3 months of the CD interest. '' Unfortunately we were not given any documentation. We opened the {$130000.00} CD on that day. After 3 years and 7 months, we needed the funds immediately. So I flew to US for 4 days to release our money, visited on XX/XX/XXXX and explained what the banker told us and what we had agreed upon when bought the CD. The manager did not check any documents or even say he would look into it or ask for the the name of the person we talked to and then said to me " It's a he said, she said situation. '' and that there was nothing he could do about it. I came back to XXXX and told my husband what had happened and he wrote to the bank manager, however it looks like the the bank has no intention to find out the truth.
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (FL)

We keep receiving phone calls from different phone numbers ( the most recent was XXXX ) informing that there is a " case '' on file that they intend to move to the court if not settled. The last voice message they left asked to call them @ XXXX to talk to their consultant. We didn't call as we have no legal cases with whoever it could be. And we have no intention to talk to them. If there is any issue we want have everything on paper first. 

These calls are repeated for long time during the last few years. 
We have no known to us issues with any vendor or service provider nor received any mail in any legal case. Internet research shows the phone number XXXX is often used by the company FFAM 360 First Financial Asset Management ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX ). The research also showed that there was a lot of similar to my complaints against this aggressive, harassing practices on behalf of this company. 

We do believe such practices should be stopped and prosecuted if continued.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.