davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Dear CFPB I am filing this complaint due to issues with American Adjustment Bureau and how they continue to report these accounts on my credit files. I have disputed these accounts with all three of the credit bureaus and as you can see below after XXXX  and XXXX  reaching out to American Adjustment Bureau the results came back as deleted, but yet they continue to report these erroneous accounts on my XXXX  credit profile. Account # XXXX in the amount of {$150.00} has been reinserted by this same company even after XXXX  already completed their investigation and removed said account on XX/XX/2020. This is a complete violation of my rights as a consumer and is continues to cause a great strain on my physical and mental health as I am a XXXX person. I have requested from the original creditor proof of these so called debts they say I owe and all I got was a copy of a statement showing {$0.00} owed as a printed version and they inputted a WRITTEN amount on the bottom of the statement. They continue to fail to verify these debts are mine and I am requesting full immediate deletions of these accounts from my XXXX  and XXXX   credit profiles. 
Results : XXXX  Report Number : XXXX Date Generated : XX/XX/2020 AMERICAN ADJUSTMENT BU Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

Results : XXXX Report Number : XXXX Date Generated : XX/XX/2020 AMERICAN ADJUSTMENT BU Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
Account # XXXX Account # XXXX XXXX  CREDIT FILE : XX/XX/2020 Confirmation # XXXX The Results Of Our Reinvestigation >> We have researched the collection account. Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : American Adjustment Bureau, XXXX XXXX XXXX, XXXX CT XXXX Phone : ( XXXX ) XXXX I was sent only 16 pages of statements on XX/XX/2020 all showing a XXXX balance and yet they continue to report these inaccurate and false accounts on my credit file and it has and continues to cause me great harm. As you can see from attached statements that there a fraudulent handwritten bogus collection amount on the bottom for {$720.00}.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (OH)

Debt recovery solutions is attempting to collect a a debt in the amount of {$260.00} that I do not owe because I had insurance through the state ( XXXX ) which covered 100 % of my medical expenses which i will prove by attaching a copy of my medical Insurance card. I have repeatedly tried to tell the companies this but " XXXX XXXX '' merely sold this debt to " debt recovery solutions '' in an attempt to dodge my efforts to have this item removed from my credit report. It is damaging my credit.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MO)

I took over the mortgage on my mother 's house in XXXX. The mortgage was with XXXX XXXX at that time. They were supposed to turn the mortgage over to me, however they drug out the procedure for NINE months, then sent me a registered letter telling me that I could not have the mortgage because they were turning it over to another company. It was turned over to Fay Servicing. XXXX XXXX told me there would be no changes in the mortgage, I would still pay {$520.00} a month. That did not happen. Fay Servicing tried to raise my payments by almost {$200.00} a month. I told them there was no way I could pay that, so they changed the amount to {$590.00} a month. Recently however my payments are now {$710.00}. I know the intrest rate can change on a mortgage, but they raised the principle of the mortgage. When the mortgage was turned over to them it was around {$66000.00} in XXXX. It was originally {$83.00}, XXXX in XXXX when my mother refinanced the house. Fay Servicing raised the principle to {$72.00}, XXXX. I HAVE NOT refinanced my house. I know interest rates can vary, but I do not think the principle can be raised ( I know the difference between interest and mortgage ). Every single review I have read about Fay Servicing is negative. I did not choose that company.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2020-03-18
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1800.00} XXXX/XXXX  XXXX {$440.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2021-06-17
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. (FL)

I ask you to figure out the origins of fraud accounts. I am victim of identity theft and I want you to apply some actions towards removing them from my credit report. Its not fair that I have it.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXXXXXX Balance : XXXX 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted NUMEROUS REQUESTS with Experian to remove inaccurate personal information : The Most recent letter disputing personal information was sent XX/XX/XXXX. Before that : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian refuses to remove information that is inaccurate and does not belong to me. Either they do not respond to my request at all, send a stall letter, or disregard my request.
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I am no longer able to afford my property and I reached out to PHH Mortgage and completed a short sale package in XXXX. The lender told me they have to complete a denial for a modification before they can consider a short sale. I have no income. I was denied a modification in XXXX and the lender closed out the file even though they had the full short sale package they asked for. Please help me before the buyer walks away and my property is foreclosed.
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

This debt company seems to either change names several times or has sold and resold this debt. When I previously contacted them, they could not verify any information related to the debtor or the debt. The dates update with each acquisition of the debt or transfer of the debt ( {$530.00} ). This can not be verified and must be removed from my credit report. I emailed them to discharge this debt if they could not verify the debt in early 2023 and they refused. I am again requesting they verify the debt and the details, therein or discharge the debt and remove it from credit reporting. Thank you.
Consumer complaint received 2020-04-14
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. (TX)

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent Transunion, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

While I am refinancing my current home mortgage loan with Freedome Mortgage Corp as below, FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX United States Lender NMLS ID : XXXX They are keep delaying my request for release payoff quotes to me and my closing title company, and now delaying my closing for refinance and several attempted for above company contacted, they are not released my payoff quotes and delaying.
Consumer complaint received 2021-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (ID)

I called and paid off my account with one of Upgrade 's representatives on XX/XX/2021. ( Customers are not allowed to pay off accounts using their online portal. ) I paid off exactly what the representative told me was the balance, {$1400.00} from my XXXX XXXX account. The payment cleared my bank account on XX/XX/2021. Almost immediately there was a charge on my account for {$9.00}. I called to dispute that and got put on hold XXXX, so I wrote an email. I received a response from Upgrade saying Id hear from someone within 24 hours. Its two weeks later and no one has responded to my email yet. Ive called several times and the hold time was never less than 30 minutes. I called on Sunday XX/XX/2021 and eventually got ahold of a representative who acknowledged my payment and that someone on his end had applied my payment incorrectly, resulting in the {$9.00} charge against my account. He submitted a work order to fix this and said I should see it repaired on Monday or Tuesday, XX/XX/XXXX or XXXX, 2021. It wasn't taken care of. But now I am showing a deposit of {$9.00} in my bank account. I called again yesterday, XX/XX/2021 and spoke to a less than intelligent representative who told me that I had overpaid my account and I had a credit balance. I told her credit balances do not result in a bill being issued for the same amount of money, and why would I have a credit balance when I paid off exactly what I was told to pay??? I repeated THREE times that I paid off this account and I do not owe this money, and that if I had a credit balance, it wouldn't be billed to me again! I asked what happened to the work order that was generated on Sunday?!? She went and placed me on hold ( AGAIN ) for several minutes and came back to tell me now that I had taken a charge for {$9.00} and I owed the money. NO, I didn't, I don't have a card for them and there was no transaction for {$9.00}. She just didnt understand what I was saying and asked to speak with a supervisor. She put me on hold ( AGAIN ) and after a few minutes repeated everything I typed earlier in this complaint. I said I wanted to speak with a SUPERVISOR, not her, and she put me on hold ( AGAIN! ) and left me for several minutes and came back to say her supervisor would call me back within the hour. Guess what? No one called me yesterday at all, nor today, XX/XX/2021. Im still waiting. And then to top it off, I just received an email saying Upgrade is drafting my bank account {$500.00} on XX/XX/XXXX AFTER I had paid it off. Ive had it with this incompetent company. Since no one has either called me back, written a response, or cleared my account from this {$9.00} balance, Im filing this complaint and will stop all payment draft requests from Upgrade.
Consumer complaint received 2020-03-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (UT)

XXXX XXXX XXXX  ( " XXXX '' ), the prior servicer had a XXXX balance on this account before the account was transferred to Real Time Resolutions , Inc. ( " RTR '' ), a debt collector. XXXX  reported the full principal balance paid in XXXX. See attached XXXX Form 1098. However, RTR continues to claim the full principal balance is still owed on this account. See attached RTR Statement ( XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with the XXXX Form 1098 from XXXX, showing XXXX  reported the full principal amount was paid in XXXX to XXXX. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with proof from XXXX  that XXXX  had contacted RTR ( in XX/XX/XXXX ) asking RTR to fix RTR 's incorrect balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with proof SLS had contacted them again ( XX/XX/XXXX ) asking RTR to fix RTR 's incorrect account balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR Chief Compliance Officer XXXX XXXX asking his assistance in having RTR comply with RESPA. Again, RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
Except for sending the required acknowledgments of my Notices of Servicing Errors, RTR has refused to correct the incorrect account balance or respond showing the account balance is correct.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made 8 payments of {$1700.00} through XXXX Bill Pay recorded confirmed payments to XXXX XXXX yet, XXXX XXXX has damaged my 100 % payment history by reporting continuous damaging lies. Dropping my scores down 200 points after decades of caring and making payments 100 % on time. XXXX XXXX for example reported on XX/XX/XXXX to XXXX  that the loan # XXXX was delinquent in XX/XX/XXXX, lies again as I have a first payment letter that states XX/XX/XXXX. I am currently paid through XX/XX/XXXX. In addition in a prior complaint in XX/XX/XXXX with the CFPB, a director for XXXX XXXX states he is crediting a unnecessary legal fee of {$950.00}. to add it back on XX/XX/XXXX the last statement populated or available to view as of today XX/XX/XXXX. Where is my XXXX statement? that I should have received prior to XX/XX/XXXX. For over 6 MONTHS XXXX XXXX is purposely damaging my reputation and credit scores for No reason. They get a Direct payment from me and they are not included in any Chapter XXXX. In fact they acknowledge receipt from XX/XX/XXXX by a Mr. XXXX Director for XXXX XXXX to the CRPB back then!
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (MS)

I tryied to log in on my account an everytime I try to log in it tells me my username an password doesnt match an I have all of my incomtax an stimulus check money on there I have been trying to contact bluebird by American Express for a two weeks now an i stay on the phone for 11 hrs at a time an I get no answer they are doing me very wrong I have a lot of my money on there an I cant access none of it please help they need to answer the phone at customer service its like they packed up an left Im broke an need my money
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/21 I withdrew XXXX from my business account and the teller made a huge mistake and withdrew the money from another persons account. They waited a whole week to catch the mistake to call me and tell me they messed up. In the mean time i paid bills and had to pay employees, Because if this mistake I have no money over drew my account and was offered zero help in return. This would not have happened that the money been pulled from the proper account t as I would have seen it was not in there and proceeded appropriately.

They offered zero help or ways to help me even though it was 100 % the banks mistake as I went directly into the building to withdraw.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Mortgage accepted my application XXXX XXXX and provided me with 3 pre-approval letters. My issue is the untimely response to my completions of application of my loan after the offer was accepted and contracts were submitted to WFM. Because of their untimely review and decision which took place 24hrs before my closing date, it caused me and my family to be homeless. WFM had all of my financial information over 60 days with constant submissions of updated documents prior to them receiving the contract, setting and confirming closing date. No information was provide to the reason of them cancelling my loan 24hours before closing, nor did they provide with what I qualified for other than the pre-approval letters which I received. WF also sent correspondence to the property that they pulled the loan from, why? No valid answers to their process was provided. My information was in their possession for more that enough time for thorough review and decision prior to closing. My closing was scheduled for XX/XX/XXXX at XXXX and I received a phone call on XX/XX/XXXX at XXXX EST with the conversation starting with " Ms. XXXX XXXX am sorry to tell you this ... '' I sent am email around XXXX EST the morning of XX/XX/XXXX requesting closing instructions. I never received a response other than that phone call at the end of the business day. 

A simple apology does not correct the problem nor does it provide me with a home to live now that their negligence has caused me and my children to be homeless. They confirmed closing date, I ended my rental agreement with a schedule move out of XX/XX/XXXX. A apology does not cover the cost of monies lost due the contract termination date. Had WF done their due diligence in a timely manner, I would have been eligible for a refund. Due to WF not responding, lack of communication and sense of urgency to the deadlines set forth in the contracts that are required, I was not eligible for a refund of $ XXXX for offer placement, {$650.00} for appraisal and {$870.00} for inspection.
Consumer complaint received 2022-12-30
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. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
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 — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

On XXXX XXXX XXXX  Comenity Bank and XXXXXXXX XXXX names appeared on my credit report. I have made contact with both company 's and was told this problem would be taken care of and that someone has attempted to open credit accounts in my name. I've also locked all my credit reports and started a monitoring service. I am still getting emails and regular mail from both companies and I need someone to look into my problem and solve this issue.