davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Called company daily beginning XX/XX/2023 through XX/XX/2023 and formally requested, in accordance with the Texas Freedom of Information Act, that copies of all information and data regarding my vehicle loan be sent to my current address. This was to include their reason for their decision to restrict my online access since XX/XX/2023. They have refused to do so. Also request copies verifying all payments made, interest paid, principal owed, and the documentation verifying the current status of the account. Subsequent request were made again in XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX refuses to comply with my request. The last request for this documentation was made in mid XXXX. The current account status on my XXXX Credit report shows the account is CLOSED and that it has been CHARGED OFF and WRITTEN OFF. It also shows the payment status as Late for XXXX among other months. However when I call to XXXX XXXX XXXX XXXX they state the account is CURRENT and OPEN. I have ask them to CORRECT the errors on my credit report and filed several disputes with each of Credit reporting agencies ( XXXX, Equifax, and XXXX ) however my disputes are denied saying the investigation finds the information valid and accurate ( paraphrasing ). 1. Please allow me online access again since it has been 180 days since my request was made and it still remains ignored. 2. correct the credit report ( all 3 ) to reflect as OPEN and as current and due to the fact the payment history is filed with inaccuracies and due to the fact XXXX XXXX refuses to provide me with updates regarding my balance, confirmation of payments, etc I ask that the Credit report shall reflect no late payments or delinquencies. I request this due to the illegal, and egregious and retaliatory manner in which XXXX XXXX XXXX XXXX has administered my loan.
Consumer complaint received 2022-12-30
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: SANTANDER HOLDINGS USA, INC. (IL)

I have fraudulent inquiries on my XXXX  credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called Santander on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX  XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I wrote a check ( # XXXX ) for {$5700.00} addressed to XXXX XXXX of XXXX, California. This was the second payment on our annual property tax. The check was drawn on Citibank account ( account number XXXX ; routing number XXXX ). I posted the check at US Postal Service mailbox at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Someone, but obviously not a representative of XXXX XXXX, cashed the check on XX/XX/XXXX, according to Citibank records. ( I have a copy of the check in question ). On XX/XX/XXXX, someone supposedly representing the XXXX  XXXX XXXX, called me at my home and asked whether I had authorized anyone to deposit the check at the XXXX  XXXX XXXX. I said no. This same person then advised me to call Citibank, report what happened, and ask Citibank to block the account. The bank did so, but the check had already been cashed.XXXX said it would launch an internal fraud investigation. I have heard nothing substantive from Citibank since the initial report. On XX/XX/XXXX or XXXX, I reported a mail fraud incident to the US Postal Service. On XX/XX/XXXX, I received an acknowlegement of my report of possible fraud., stating that the case ( XXXX ) " ... was being reviewed by the US Postal Inspection Service . '' I also reported the matter to the XXXX XXXX Police Department. As of XX/XX/XXXX I have heard nothing futher from Citibank, the Postal Service, or the Police Department.
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation (TX)

Original mortgage joint loan and joint ownership. One party XXXX XXXX XXXX. Mortgage company was notified and sent copy of death certificate. I was advised no need to refinance because I was already on the loan. Invoice had the XXXX person listed on it and I requested this changed to my name. They refused. Today I received an escrow check made out to the person that XXXX instead of myself. I have been making the mortgage payments, not the person who XXXX
Consumer complaint received 2020-03-28
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)

Sent in a previous dispute but got a response to send in more verification documents, so I'm submitting again and filing a complaint. I pulled a copy of my credit report and noticed several fraudulent accounts. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2020-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Union bank Visa card has been sending my statements to the wrong address knowingly and then charging late fees and high percentage even though they had my address they still sent to the wrong address for the last 7 months. I called every month I went to the bank and Mr XXXX XXXX of Union bank of XXXX XXXX knowingly gave them the wrong address as he is on the take of XXXX and XXXX XXXX who have illegally broken a trust and will of my father Mr XXXX XXXX and millions of dollars of mine.XXXX XXXX was / past my banker but he has broken law and he also changed ACH transfers to ATS on my bank statements at Union bank, he padded my bank account. Union bank of XXXX and the credit card need to have full furensic of accounts.Mr XXXX XXXX has knowingly broken law. Sending my statements to wrong address is illegal and XXXX XXXX is criminal who did this plus other illegal activities hes done. 
They can not charge late fees or interest when they have illegally sent my statements to the wrong address. This bank and branch needs to be looked into as so illegal.
Consumer complaint received 2020-03-28
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: EQUIFAX, INC. (CA)

Sent in a previous dispute but got a response to send in more verification documents, so I'm submitting again and filing a complaint. I pulled a copy of my credit report and noticed several fraudulent accounts. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have requested validation of the Bankruptcy XXXX XXXX that Experian is currently reporting inaccurately on my credit report. They also have accounts : ( XXXX XXXX XXXX  ) stating included in chapter XXXX bankruptcy as well. 
These are just some of the file numbers of requests I have made to Experian to remove the inaccurate information on my credit file ; XXXX, XXXX and XXXX. With all of these complaints Experian responded stating " the account as verified as accurate by the creditor. 

I have disputed that the inaccuracy consisted : incorrect date of filing and resolved. I have disputed the chapter XXXX bankruptcy as being inaccurate. I disputed the entire information on credit file with the bankruptcy was inaccurate. 

I have included a copy of the bankruptcy with dates that they claimed they verified and the type which they claimed they verified and with the dates of discharge which they claimed they verified multiple times. 

The inaccurate reporting of my credit file was the reason for my denial for the home I was trying to purchase for my retirement this coming XXXX!!
Consumer complaint received 2023-06-08
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. (TX)

I have Expressed to Equifax, XXXX, and XXXX ( not XXXX ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). 

This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the po box that I put in the following letters. 

I have labeled the letters for each company and each letter includes personally identifiable information. 

Please not that by law you may not furnish any information and or adverse information without my handwritten consent. 
-15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 )
Consumer complaint received 2022-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have fraudulent inquiries on my transunion credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called capital one auto finance on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and capital one on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge
Consumer complaint received 2022-03-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was part of a class action lawsuit against my mortgage company. I went into contract for my home with vision property management and I was part of a class action lawsuit against my mortgage company for predatory loaning and fraudulent activities to which XXXX pennsylvania homes were ultimately awarded to the victims. I was under court order to stop paying my mortgage while litigation was taking place. I was fighting with vision property before the court order because the house they sold me was way worse then what they said and I had to spend roughly XXXX dollars to renovate enough to be able to move in and during that time I had to pay rent to live elsewhere pay for construction and pay my mortgage. I am not the only victim here my property is listed in this court order.
Consumer complaint received 2021-03-20
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-03-28
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)

Sent in a previous dispute but got a response to send in more verification documents, so I'm submitting again and filing a complaint. I pulled a copy of my credit report and noticed several fraudulent accounts. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

XXXX senior citizen transferred XXXX by moneygram XXXX XXXX, 2022. In transit status never arrived. 8 days now. Won't reply emails customer service just says investigating, all the money I have. Verified with recipient bank never arrived. Refuse to refund. No way to pay mortgage, eat, or buy XXXX medicine. Say they they have 90 days to resolve but won't tell me progress. It's fraud
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Shellpoint Mortgage Servicing, who services my mortgage, sent me a letter dated as of XX/XX/2020 stating that my hazard insurance has expired, and threatening to " buy insurance '' which " may be significantly more expensive ''. 

Here are the facts : - The above statement is FALSE. I have paid insurance in effect through XX/XX/2020. 
- Shellpoint ALREADY ESCROWS for my insurance and HAS A COPY OF MY INSURANCE INFO through closing which recently occurred only 7 months earlier, YET THEY CLAIM MY INSURANCE EXPIRED? 
- Also, WHY WOULD THEY NEED TO BUY " SIGNIFICANTLY MORE EXPENSIVE '' INSURANCE when I have a regular insurance policy in effect to which I am escrowing and they should be making payment for?? 
- Lastly, as of today, XX/XX/2020, THERE IS NO RECORD on Shellpoint 's website THAT THEY ACTUALLY PAID MY INSURANCE PREMIUM. MY INSURANCE COMPANY DEDUCTED THE INSURANCE PREMIUM OF {$2300.00} FROM MY CHECKING ACCT BECAUSE THE INSURANCE STILL HASN'T BEEN PAID FROM ESCROW.
Consumer complaint received 2020-03-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clark County Collection Service (IL)

Trying to apply apartment but I can't be approved because of the collection I don't own .. the Clark county collection trying to collect the XXXX XXXX  under my husband account.. which my husband just file chapter XXXX bankruptcy. Which the XXXX XXXX  been discharged with  the bankruptcy and now they report it under my credit report as a joint which I don't sign anything and im not present when my husband get a loan. 
The amount they trying to collect is {$1400.00} XX/XX/2018 And they put joint without my signature and even im not present they include me as a joint
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (WA)

I closed on my home XX/XX/2020, and my loan was paid in full. 

Today is XX/XX/2020, and have yet to receive my escrow refund of {$1800.00}. 

I've contacted Dovenmuehle on seven different occasions to be told when I'd receive my check. My last three conversations in the last three weeks have been that they've issued the check and I should be receiving in the mail. Multiple times I've called them back to ask where my check is to find out that the previous person I spoke to on the phone never actually issued it like they said they would. 

The amount of days they've held on to my funds is a clear violation of RESPA, and they need to be held accountable for dropping the ball on my family so many times. 

At this point, I can't even call their office to speak with customer service. If this goes on any further, I'm forced to seek legal council. 

I've also reached out to them over their websites messaging system. This is the message I sent on XX/XX/2020. 

" Hello, I'm closing on the sell of my home today ( XX/XX/2020 ), so I'm requesting a refund of my escrow balance. 

I've been told it takes 15 days to receive a refund, so I'll be expecting to receive the check by or before XX/XX/XXXX. 

Thanks, XXXX XXXX '' -- -- -- -- -- -- -- -- This is the message I received on XX/XX/2020. 

" Dear XXXX XXXX XXXX, This is in response to your inquiry regarding your remaining funds in your escrow account. We apologize for the delay in our response. 

Our records indicate your loan was paid in full on XX/XX/2020. An escrow refund of {$1800.00} was issued on XX/XX/2020 and sent to your mailing address on file. Please allow up to 15 business days for it to arrive. 

The appropriate release of lien documents were prepared for this loan within state-defined timeframes and sent to your county recorder 's office on XX/XX/2020. 

Please contact your taxing authority and insurance carrier to let them know to send any tax bills and/or insurance bills to you as you are now responsible for making tax and hazard insurance payments. 

We appreciated the opportunity to service your loan. 

While we believe that this response fully addresses the concerns outlined in your correspondence, should you have any further questions, please contact our Customer Service Department at XXXX, or you may respond directly to this message. 

Sincerely, Research Department '' -- -- -- -- -- -- -- - Again, they've resolved nothing. I've been very punctual with checking in on the status of my refund, but I still have not received anything. Dovenmuehle needs to be held accountable for mismanaging my escrow account, and withholding the money that I put into it.
Consumer complaint received 2020-03-27
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 (FL)

Received credit of XXXX in XXXX from care credit/synchrony bank. 
I paid {$200.00} in XXXX with a {$170.00} min. Due. promotional 24 months zero interest. 
My XXXX  Where the original credit came from then issued a credit of {$2900.00} on XXXX. Left a balance of {$900.00} I called then because they were still charging me {$170.00} min due on a {$900.00} balance. 
I had it on auto pay so they would take the minimum due a minimum due this month was XXXX but yet they still took {$170.00} out of my bank account for the second month in a row. 
I contacted them 63 by email three by phone. 
Every time they assured me that it was their mistake and it would be corrected. See enclosed letter.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (VA)

I believe there has been a mistake in my account billing for Account Number : XXXX, for the auto : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I have a late payment of longer than 30 days in my credit score report. However, when reviewing my account I discontinued automatic payments in XX/XX/XXXX. I made a payment on XX/XX/XXXX that went to the Principal instead of the Monthly Payment. This was an error in billing, I did pay the amount of {$590.00} in XXXX and TD Auto Finance took in the amount to pay for the principal. I consider this fraud. I then on XX/XX/XXXX of XXXX did a double monthly payment of {$1200.00} as I noticed that you had not taken in my XX/XX/XXXX payment towards my monthly payment. I contacted TD Auto Finance Bank  multiple times regarding this error by phone before the 6 month limitation in billing changes per their policies took place, but I never received a positive response. We can look at phone recordings to verify. I believe this is a billing error and I should not have a 30 day late payment flag in my credit report since this institution received the monthly amount on time, but failed to bill it as a monthly payment. In reality this institution received 3 payments from me totalling {$1800.00} in the period from XXXX to XXXX and still received a derogatory mark from TD Bank Auto Finance. which I respect, but which made a billing error that cost me a significant drop in my credit score. 

Please note that I am willing to dispute this at the Credit Bureau level since this is the only bad mark in my credit report, since this is a billing error, not a denial to pay from my side. I clearly made 3 payments in that period when only two were needed in my pay schedule. 

Thank you for your time and attention. 

XXXX XXXX ( XXXX ) XXXX