davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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. (TX)

In previous correspondence to the CFPB, Transunion stated that they started an investigation on my credit file regarding my dispute with XXXX XXXX. Recently I received a credit reported dated XX/XX/XXXX - two days after XX/XX/XXXX as noted by Transunion in response to my previous CFPB complaint. 
This updated report dated XX/XX/XXXX shows a XX/XX/XXXX late payment - this is inaccurate! How can XXXX report a late XXXX payment when the account was paid off in XXXX on XX/XX/XXXX? The credit report also shows a balance of {$780.00} with a past due of {$750.00}. Where is this coming from? This is all completely inaccurate on my credit file. I have provided Transunion with proof of payment IN FULL from my insurance company in XX/XX/XXXX as well as the payment history on that account. FCRA states that the credit bureaus are responsible for ensuring that accurate and ONLY accurate information is reported. Transunion is allowing this creditor to report multiple errors at different times to my credit file. As the credit bureau Transunion IS NOT ACTING in accordance with the FCRA to protect my consumer file. I have attached the most recent update Transunion mailed to me.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I filed an insurance claim and my insurance company paid {$81000.00} for damage to my home. They included Newrez on the  check with me, since we both have an interest in the property. NewRez asked me for documents to verify that I have completed the work that I'd like to collect the funds on. I sent all of the requested docs. NewRez never called, so I followed up and they said I only needed a license for the contractor I used and they'd release the funds. I got the license and sent that in. NewRez sent an email saying they were processing the paperwork, but never followed up again. 
So I called and then they told me that the documents I sent before I sent the license are not correct now. They didn't bother to tell me that weeks prior when I followed up and only mentioned I needed a license. So I paid for all of this work to be done and they are still holding 100 % of the funds months later, as I pay interest. Also, I own about 25 % of value of the home, so there's no reason they should be holding every penny of the amount given. 
They were not satisfied with the paperwork, so they asked me to follow up with the contractor again only after I called again. 
NewREz is clearly holding the money hostage. They make no effort to do anything unless I call them, and every time I call them they need more documentation or they tell me something isn't right. 
I asked about the interest on the money that I'm paying and they're collecting while holding it and they only tell me that I can get what's in the account only. So they're profitting while I'm out of pocket as they hold the money hostage. 
I informed them that I'd file a formal complaint and then they said they'll get someone out right away for an inspection. This company is ruthless and leave people hanging as they profit. If this is typical of their business plan they should be looked into.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (MD)

I sent the below letter to their company on XX/XX/year> and did not receive a response back with the information I requested : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Thursday, XX/XX/year> RE : XXXX To Whom It May Concern, Your company is reporting the below referenced account on my credit report as a collection account. 
XXXX XXXX XXXXXXXX XXXX in the amount of {$490.00} I have disputed this item with the credit reporting agency , and they reported you confirmed the account as valid. 
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely matter, will be considered a waiver to any and all your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or a waiver of status. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-20
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. (GA)

Transunion, XXXX and XXXX keeps allowing information to be reported wrong and its affecting me adversely. then we have to keep doing disputes over these issues. I should not have any hard inquires in the past 2 years and no bad marks. its over 200 people in GA alone with the same identifiers as myself. This is getting bad and I have been dealing with this over XXXX  years of being in GA. This is a way to harm minorities in this country. Who compensates us for these hardships?
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I purchased a product from a vendor. The vendor sent a damaged product. The product was returned to the vendor. The vendor refused to honor their return policy and refused to issue refund because of a " system '' issue. The vendor specifically said to contact my bank and deal with it through them. 

I contacted USAA and filed a claim for the transaction, offering them documentation. USAA refused wanting any documentation. The issued a temp credit to my account. 

USAA then reversed the temp credit, claiming I had not provided any documentation. They did not notify me of their request for documentation, after refusing to accept it when I first submitted the claim. When I learned that they had posted the request to my online account, I immediately provided all requested documentation, uploading the images and screenshot to their online portal as instructed. 

They did not reissue the credit. I have called more than a dozen times to get it fixed. USAA continues to say they will call me back, but they never do. 

Today, I took time off from work to call USAA to address this. I was on hold for XXXX hour and XXXX minutes before someone picked up. I spoke to XXXX at USAA resolution team. She said that too much time had past and the USAA Dispute Department was refusing to address it any further. Didn't matter that I had tried, over and over and over, to get USAA to take my calls and get it fixed, that I had been told over and over I would hear back from USAA about it and never did. They are refusing to proceed further and refusing to escalate to a supervisor or manager. 

USAA is in violation of their banking customer policy. I was in touch, or attempting to be in touch, on a regular basis since the first contact. It was USAA who dropped the ball and are now refusing to pick it back up. I have been a lifelong customer of USAA. In the last two months, it has been LITERALLY IMPOSSIBLE to get through to anyone on their phone system. I had to take time off from work to make the call today in order to be able to stay on hold for so long.
Consumer complaint received 2020-08-13
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: Sequium Asset Solutions, LLC (CA)

I have spoke with XXXX  and they said would call Sequium and have them cancel the account and recall it.. Sequium still has not  taking anything off my credit report.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (WI)

On XX/XX/2020 I sent a letter requesting debt validation from National Credit Adjusters ( listed as NCA on credit reports ). In the letter I informed them of my concerns from a negative entry they place on my XXXX credit report dated XX/XX/2020 and on my XXXX credit report dated XX/XX/2020. 

NCA did not provide me with written notice they would be adding any negative items to my credit reports within 5 days of entry, nor did NCA provide me with any verification of the alleged debt. 

I informed NCA of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my signature on it ) they have on file of the account in question. 

I informed them they have failed to positively verify the account and that it has hurt my ability to obtain credit and continues to negatively harm my credit score. I informed NCA Under the FCRA, unverified accounts must be removed and if since they were unable to provide me a copy of verifiable proof, they must remove the negative account in question. 

I requested that NCA removed the negative item from all XXXX credit bureaus within 15 days of the letter or I will proceed to file a complaint with the Federal Trade Commission and the Wisconsin Attorney Generals office. 

On XX/XX/2020 I was notified from XXXX that NCA did not remove the account, but instead listed it as a collections account.
Consumer complaint received 2020-06-11
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. (AR)

I've been consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mines. These items need to be deleted from my credit report.
Consumer complaint received 2020-08-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

Issue with : AmeriHome Mortgage Company , LLC XXXX XXXX. XXXX XXXX XXXX, NJ XXXX I have attempted with no success to address this with customer service ; I have only received promise of a return call that has not come. The following is a timeline outlining the issue : XX/XX/XXXX spoke to customer service rep re : having received a delinquent tax bill ; was advised to send the bill to XXXX XX/XX/XXXX sent email with attached bill XX/XX/XXXX received confirmation of receipt of email XX/XX/XXXX received more detailed response stating request will be processed in 3-5 business days and that If we are at fault for this late disbursement, any penalty or interest assessed will be paid from a corporate account and not the escrow account. 

XX/XX/XXXX received email with subject line Taxes Paid stating payment was sent from my escrow. Email stated 2 disbursements, one for County Tax Disbursement in the amount of XXXX ( the correct tax amount ) and one for City, Utility Disbursement in the amount of XXXX. There was no explanation as to the latter Utility Disbursement. This amount did not show on the tax bill. 

XX/XX/XXXX called customer service ; rep could not explain what the Utility Disbursement was ; stated he was submitting a request and that someone would call me back. He stated it was impossible for me to be connected directly via phone to anyone that could assist. My only option was to wait for a return call. This call has not come. 

XX/XX/XXXX contacted City of XXXX Treasurer XXXX XXXX ; he explained to me that, as of today ( XX/XX/XXXX ) payment has not been received. He also stated that when he calculated penalty and interest now due on the base tax amount, it equals exactly XXXX. 

It appears as though Amerihome is trying to camouflage penalties and interest that are their responsibility ( for having not remitted my real estate tax payment on time ) as a Utility Disbursement to illegally pay said penalties and interest from my escrow account.
Consumer complaint received 2020-08-13
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. (VA)

I regret that I could not find anything in the above problem checklists that applied to the following problem. I hope you can accept this complaint, however, and forward it to the appropriate dept. 

My credit rating going into XXXX of this year was XXXX, a level reached after many years of gradual improvement. 
During XXXX, in an effort to improve my score even more, I made an extra payment on every account, paid off several completely, and took no other action that could possibly prevent a further increase ( no new or cancelled credit cards, no increases in credit, no new accounts, etc. ) In XXXX, my credit rating was nevertheless REDUCED to XXXX!!! 
In the past, whenever I complained to the credit agencies ( XXXX, XXXX, and Transunion ) about an inexplicable reduction, the only response was unintelligible generalized boilerplate or a voluminous printout of my past credit accounts ; but neither clarified the reason for the downgrade - and repeated followups yielded exactly the same useless response. 
Your assistance will be deeply appreciated ... ... ... ... ... ... ... ... ... ... .. XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (CA)

I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified XXXX mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, XXXX XXXX XXXX, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. 

On XX/XX/2022, XXXX XXXX XXXX, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.
Consumer complaint received 2023-02-09
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. (IL)

XXXX XXXX XXXX amount {$570.00} XXXX XXXX OPEN XXXX XXXX {$850.00} these accounts had to be opened fraudulently in my name. I never had either of these accounts opened.. I'm requesting that they be removed these fraudulent accounts from my credit report. Reporting to XXXX and transunion
Consumer complaint received 2020-08-13
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. (CA)

I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, Experian, XXXX  or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

My mortgage was transferred to the new company they dont care about customers its like a pre read statement no matter who you talk to and they all say the very same thing it takes for ever to talk to someone and get results cause they dont care When I was transferred my insurance was due on my condo I was so nervous I paid {$200.00} so it would be active now my taxes are due they received the bill and Im still waiting for them to pay them They take way more money each month for escrow which my taxes and insurance are about {$900.00} a year for both right now there is enough to pay both I hate that they treat me like I dont know what Im talking about Please help with this stupid company I would love to transfer but I dont have the funds to do so
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted I was in fact a victim of this Data Breach and Equifax has done nothing. 
Please Help me delete these illegal accounts from my credit reports. 
I appreciate it. Thank You
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I've been receiving numerous mediation request forms from Wells Fargo, several filled out to date. I received three more today, XX/XX/XXXX, a sixth one filled out and mailed in. Wells Fargo insists on sending these forms after CFPB complaints filed regarding damages from unauthorized accounts opened by Wells Fargo reps. A mediation session was made on XX/XX/XXXX, unfortunately, Wells Fargo rep by the name of XXXX XXXX was not able to resolve issues with settlement amount offered.. The amount offered, {$500.00}, does not cover damages sustained including inability to open accounts with other banks including XXXX  XXXX XXXX, XXXX, XXXX, XXXX, as well as others. I've been declined at these banks due to information reported to consumer agencies such as XXXX XXXX, XXXX, XXXX XXXX XXXX. I requested reimbursement for potential interest could have earned had I been able to open said accounts, I was offered a small amount of {$500.00} which does not cover damages. As I said prior, I have recently mailed in another mediation request form, unless Wells Fargo is willing to offer a reasonable settlement amount, then please advise them to STOP mailing additional mediation forms. Also, the offered amount of {$500.00} was not received and as far as I know, was never sent out. Wells Fargo likes to reply in part by stating, " Numerous attempts at resolution made, exhausted all efforts '' I believe these supposed efforts refer to their mailing of these duplicate mediation forms which again, were not successful in resolution as their offer does not cover damages
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, XXXX, TransUnion or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX XXXX