davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2020, XXXX/XXXX XXXX XXXX showed up on my credit report and I did NOT apply for any credit cards through them. I called three ( 3 ) times, and all representatives were extremely disrespectful and refused to help me. Even the manager hung up the phone and told me I had the wrong number, when the number I called is listed on their website. I believe there is fraudulent activity taking place with this company, and I spoke with TransUnion at XXXX XXXX today and was told that XXXX has to issue me a letter of deletion. The XXXX number is XXXX.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (FL)

It has come to my attention that XXXX has reported transactions between I XXXX XXXX the consumer and XXXX the creditor to my consumer report In the months of XXXX, XXXX, and XXXX of the year XXXX.I have opt out XXXX  should not be reporting transactions to my consumer report it is violating my consumer rights. According to the FCRA 15 usc 1681a 2a1 stated in paragraph the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2020-03-07
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XX/XX/2020 I received a phone call from a company called pristine asset group stating I had an outstanding balance on a credit card and that my monthly income would be garnished if I didn't make arrangements for payment and that if I got back with them a settlement could be made to clear my credit debt also they were working with a attorney 's office and to keep from being sued and my checks garnished I made payment a {$1500.00} to settle a debt later to find out I had been scammed the address that my credit card company gave me was XXXX XXXX XXXX XXXX XXXX XXXX which doesn't exist the telephone number XXXX goes to voicemail
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (IL)

DO NOT SEND ME A COMPUER GENERATED LETTER OR ASKING FOR IDENTIFICATION IT WILL BE AN AUTOMATIC XXXX FEE On XX/XX/year> complaint number XXXX I requested that certain accounts be removed from my credit report that I did not authorize. On XX/XX/year> I received a letter at my mailing address that Equifax was unable to locate my credit file in their database with the identification information that I provided. I believe this to be a stall letter on their end to gain more time to investigate. On XX/XX/year> I received an email stating that my report has been updated. I do not believe that a thorough investigation was did because they claim they could not find my credit file. The alleged investigation that was did is still reporting inaccurate and incomplete information. I would like visual proof of communication to who was spoken to at these companies to verify the information. I would like their names, and title. I know for a fact I have NO contract with XXXX for them to be reporting on my behalf nor was any authorization given. All inquiries that are not attached to an open account have never conducted business with me. As far as XXXX inaccurate and incomplete information is still being reported. Please provide me with documentation of who was spoken. Equifax is continuing to defame my character and cause me physical, mental, and emotional harm by not conducting an investigation and sending me computer generated letters. I have been identified unless my report would not have been tampered with. You can't claim to not find my credit file but then go in and change it. Please do not send me anything else computer generated or asking me for identification, if so, there will be a XXXX fee that needs to be paid on top of the previous amount for not fully investigating and. Equifax is continuing to violate multiple FCRA violations. 

YOU STILL HAVE 30 DAYS FROM THE ORIGINAL DISPUTE XX/XX/year> This matter was NEVER investigated and a computer-generated letter was sent out to get more time in case time went by which is another violation per FCRA. 

Note : ONLY the consumer can give accurate information I have no written agreement for ANYTHING on MY report
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

The credit bureaus ( XXXX, Experian and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline ( XXXX XXXX XXXX XXXX ) yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor XXXX XXXX XXXX XXXX  has referred to me the assignee XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

On XX/XX/XXXX, Ditech, LLC made a flood insurance payment of {$3000.00} to a cancelled flood insurance policy ( " XXXX '' ). On XX/XX/XXXX, Ditech, LLC made a flood insurance payment to my current flood insurer for {$1300.00}. On XX/XX/XXXX, XXXX sent Ditech, LLC a refund check for XXXX. TO DATE, this refund check of {$3000.00} HAS NOT been credited to my escrow account. 

My insurance agent and I have REPEATEDLY tried to get Ditech to correct its error. On XX/XX/XXXX, Ditech claimed the refund would be credited in 7-10 business days. I have made several subsequent calls. To date, the monies have not been credited. On XX/XX/XXXX, Ditech transferred the mortgage to another servicer, XXXX XXXX. The escrow information Ditech sent them was incorrect. 

You will see from viewing the attachments that it is clear Ditech made the flood insurance payment, received a refund of the flood payment from XXXX and did not credit it. This is a great deal of money that I NEED. Please assist me in getting them to do their jobs properly and properly credit my escrow account. Thank you.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit 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 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 2023-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (WI)

I have tried several times, unsuccessfully, to have PMI removed as a requirement for our mortgage. My last complaint was responded to with the following : 'According to the terms of the mortgage loan, the Mortgage Insurance Premium ( MIP ) is due for the life of the loan and can not be waived. ' Per the PMI Cancellation act, it is prohibited to require PMI for the life of the loan. I have provided AmeriCU with a recent appraisal showing that we are easily below 80 % LTV. 

Refinancing at this time with rates so high is prohibitive as we currently have a 3.125 % interest rate on our mortgage. 

I have attached AmeriCU 's original response as well as a copy of the current appraisal.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/XXXX, Sunrise Credit Services , Inc. motioned to collect a debt {$1900.00} on behalf of their client XXXX XXXX utilities. 
They claimed that in XX/XX/XXXX " I made a payment of {$300.00} to XXXX and failed to pay the rest and as result, the debt due is now {$1900.00} As soon as I opened the letter on XX/XX/XXXX my first instinct was to give them a call. 
A woman picked up and immediately proceeded to tell me, " are you ready to make a payment for the amount due? '' 1 : I contented I have never authorized or, made any payment to XXXX ever. 
2 : I have never paid nor, received a utility bill from XXXX ever. 
3 : I do not have an account with XXXX, nor have they ever billed me for anything. 
In brief, XXXX XXXX XXXX XXXX XXXX attempted to collect {$1900.00} with evil tactics and I am scare they might try to hurt my finances.
Consumer complaint received 2020-01-14
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.
Consumer complaint received 2022-02-22
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: CITIBANK, N.A. (MI)

The THD/CBNA appears to be a charge-off account with a specific balance of {$340.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX Bureaus. As per FCRA, the XXXX and XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXXXXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX XXXX XXXX XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXXXXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXXXXXX XXXX XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXXXXXX XXXX XXXXXXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: State Collection Service, Inc. (MN)

In XX/XX/2019 I recieved a phone call from the above mentioned business. I answered and asked them not to call me again. In XX/XX/XXXX or XX/XX/2019 I recieved another call, which is in direct violation of the FDCPA but in good faith to make payments on the account I set up a payment arrangement for the XX/XX/XXXX of the month for XXXX via my debit card. In XX/XX/2019 I advised i would not be able to make the payment due to a job change and that my new pay period lands on the XX/XX/XXXX and my payment arrangement would need to be adjusted. A XXXX payment was drafted from my account successfully on XXXX. On XXXX a XXXX payment was drafted from my debit account that I did not authorize. I called the company and spoke to a XXXX who told me the charge could not be reversed and would need permission from the client. Thus, over drafting my debit account. My bank has assessed and applied a XXXX overdraft fee for a transaction I did not authorize. XXXX told me it's noted in their system that I did call and change the date to the XX/XX/XXXX, it was just never done. She then proceeded to tell me if I didnt want to pay it that they can reccommed to have this sent to the credit bureaus thus, affected my credit and intimidating me to pay a debt that i've never recieved a verification of debt for. When I called on XX/XX/XXXX I spoke to an XXXX, I asked for a supervisor and was told no. The above mentioned company is engaged in unfair and abusive tactics and I request that they be investigated.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (SC)

On/about XX/XX/XXXX I notified Wells Fargo via phone that I noticed multiple unauthorized fraudulent authorizations/charges on my Wells Fargo Visa card XXXX The authorization attempts and my phone call were on the same day. I hoped my call would halt the transaction. I also spoke directly with XXXX on the same day to advise them of the fraudulent activity. There were multiple authorizations for the same smaller amounts ( {$160.00} & {$53.00} ) which is a very common fraudulent practice and one that Wells Fargo should have alerted on well before I called in. If Wells had proper fraud strategies in place, listened to my original fraud complaint or performed more research by utilizing platforms such as XXXX XXXX they could have determined that the IP address did not match any IP address tied to me. The fraudsters were attempting an account take over. It is a common and well-known practice for fraudsters to test small amounts repeatedly, as was done in my case. Wells Fargo is very aware of this practice yet they determined the charges were not fraudulent. I re-disputed their findings and disclosed that I had received the fraudulent merchandise. The items remain unopened and in the same package and condition I received. I fully disclosed that I did not want to be further inconvenienced by having to return the items to the store. Again, items I did not order. Again, all of this hassle that could have been avoided had Wells Fargo alerted to the textbook fraudulent activities. Even after my re-dispute, Wells did not properly investigate my fraud claim, stating in a letter dated XX/XX/XXXX that the charges are valid and appear to be authorized by you. Absolutely shameful that as a lifelong Wells Fargo customer that my {$210.00} claim did not receive a fair and reasonable investigation, as is the law. 

Im certain that Wells complete disregard for consumer safety and satisfaction is being felt by countless other consumers that dont know about CFPB so Im hopeful my experience will be a guide for other consumers.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

We are in the process of re-financing our mortgage with a new lender. We informed Dovenmuehle Mortgage of this fact on XX/XX/2019, and requested they cancel the auto-draft for our XX/XX/XXXX payment. They agreed to cancel the auto-draft. Well, they drafted our checking anyway on XX/XX/XXXX. When I called about it they said the only recourse we had was to have our bank reverse the draft, which we did. Dovenmuehle began the late payment and collections process immediately, despite a 15-day grace period, and despite being told our situation with our refinancing process. The closing on our new loan was delayed until XX/XX/XXXX, and is now closed. We received a Delinquent Account notice, despite the fact that the loan is not delinquent until 30 days have passed. I called them on XX/XX/XXXX to explain that the refinancing had closed and they should receive the payoff on XX/XX/XXXX. I asked their representative to stop send delinquent letters, and to stop using the term delinquent. She became rude and began talking over me when I complained.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2020-01-14
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.