davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
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 XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And TransUnion I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll. 

XXXX XXXX  XXXX violated my rights as well I would like them removed original credits XXXX  XXXX bank they call me XXXX  me at all kinds of times at night. 

MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

I, the original creditor and consumer received a disrespectful debt collection letter from Nationwide Credit , Inc attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc is a debt collection company. With that being said, Nationwide Credit , Inc are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , Inc violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (MI)

I contacted XXXX XXXX XXXX and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money
Consumer complaint received 2023-10-16
Product: Credit reporting 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)

Please remove the following hard inquiries from my credit report since these items were not authorized. 
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 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 2021-12-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XX/XX/2021, I switched my cellular XXXX to XXXX. At that time, they created duplicate accounts due to their own system errors. I was unaware of this duplicate account until later. Several attempts to correct it were unsuccessful over many months and XXXX reported the account to the credit agencies. XXXX has since admitted their mistake and pledged ( via written letter to me ) on XX/XX/2021 that the account would be completely deleted from all credit agencies. In addition, I have submitted multiple disputes with the credit agencies. Those disputes were closed with the result saying that the account was verified to be accurate. As of today ( XX/XX/2021 ), Transunion and XXXX both still show the mistaken account on my credit report.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Movement Mortgage LLC (NJ)

I filed for bankruptcy XX/XX/XXXX. I am on the mortgage with movement mortgage for XXXX XXXX XXXX, XXXX, NC. I never reinstated. I am not responsible for this mortgage. I was a second co-signer for the mortgage with XXXX XXXX XXXX XXXX XXXX I signed a quit claim deed absolving my rights to the property in XXXX XXXX never received a copy. she won't refinance due to beligerance. I haven't lived at that property since XX/XX/XXXX. I currently rent in a XXXX XXXX. I filed bankruptcy to get off the mortgage. it helped with one credit bureau but not the others.
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I sent certified mail, return receipt to EXPERIAN, XXXX and XXXX XXXX requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My checking account with Wells Fargo Bank is negative {$1600.00} due to Wells Fargo withdrawing my money. There were three transactions of {$190.00}, {$500.00}, and {$880.00}. The bank has given zero real explanations as to why they have withdrawn that amount of money, all they said was that it was something global within the bank and they could not tell me more. The transactions have a description in my account of " Reversal of temporary credit provided for negative balance prior to stimulus payment ''. When I called the customer service line to ask what that meant and why they took that money the agent said that it was a credit I was given and then they take it out after 6 months of having given it and I was never given any alert or message as to the bank ever have given me any credits or that they were taking the money out of my account now. No one at the bank has been able to give me any explanations or reasons that make sense because they themselves do not understand what it means.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

Our out us knowing. We had to call them last year and this year to make sure our property taxes were paid. We call them last night Mortgage was sold to another company last year. One of the first things required was an additional months taxes and they started paying our property taxes without telling us. Last night we verified that the taxes were paid and then they said we had a shortage in our escrow of over {$400.00}. When we inquired about this after figuring our taxes and home owners insurance we are positive almost {$500.00} which they wo n't send us until they evaluate out escrow account. Never had this happen before. We have always paid our taxes. They wo n't let us or give the option. This can not be right. Please advise!!!
Consumer complaint received 2023-03-10
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. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent certified mail, return receipt to XXXX, XXXX and TRANS UNION requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I am making a complaint on this company because I have reached out to them several times to no avail. My first issue with this company is that they're reporting late payments to the credit bureau that do not make sense. They're stating that I was 30 days late 2 times, 60 days late 2 times, and 90 days late 12 times. This is incorrect information. I have asked for documents countless times. This is also incorrect reporting, how can I be 90 days late on something 12 times but not 30 or 60 days late 12 times. They're causing me XXXX XXXX XXXX  with this incorrect information they are reporting to the credit bureaus.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called trans-union because i received an alert saying my score went down by 51 points, according to XXXX XXXX it says nothing has changed on my report. I called trans-union and they claim the score is XXXX XXXX when i asked for my true score with trans-union they refuse to give it to me unless i pay, when i asked for a copy of my credit file they said they were unable to give me the report because i filed a dispute. the disputed account has already been removed from all my other bureaus except for them they keep coming back saying its correct when all the other companies agreed its not and the creditor agreed to remove it from my account. 

so basically they lowered my score 51 points for no documented reason, refuse to go over my credit score and refused to provide me with a report to explain why they lowered my score. they're baiscally acting like a mafia holding my credit report hostage while they make unfounded and undocumented changes I feel like i'm being blackmailed into paying for my own information, this should not be allowed it's my information!!!!
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

From the end or XXXX - mid XXXX. American Express ran 27 Hard inquiries on my credit file. without my consent In that time period I only applied for increases or new cards about 3 times only! Amex Almost every month for 9 months was denying me credit and putting hard inquiries on my credit. This is fraudulent activity and a 100 % violation of USC 6801 as this is fraudulent and deceptive practices. 

I was notified by XXXX and had them removed all inquires off my file but this still doesn't rectified what AMEX has done. I am willing to settle this here with them through the CFPB I've also attached a copy of my credit report from when the 27 injuries was on there as AMEX never reached out to explain this
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2022-12-19
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. (TX)

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. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please take a look at the documents? Some of the mentioned accounts are inaccurate, and this situation is unsettling for me.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

I submitted a previous complaint about two weeks ago Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX I am continue to have problems with bayview mortgage company asking me the same paper work I have already submitted. For example they want a copy of the deed with my name. I have already given them the information that states I am the executor over the estate
Consumer complaint received 2024-03-12
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. (SC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (KY)

Ditech is trying to collect on a debt that is over 13 years old. I have no idea what company this was with previously or what it is. AND its over 13 years old which means it should be erased by now. It is my understanding that debt over 10 years is generally discharged. Please correct me if Im wrong
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was charged {$18000.00} over the course of 72 hours on my debit card, which was stolen along with my phone between May 24-28, 2019. Bank of America contacted me on XXXX, XX/XX/XXXX, saying they had tried to contact me based on suspicious activity. I have submitted fraudulent charges three separate times, each time being rejected by them based on their " criteria '' for unauthorized charges and not believing my version of events. In the three months leading up to the stolen card, I had not used my debit card outside of withdrawals near my apartment in New York, and only allowed recurrent auto-payments from third parties each month ( cable, utilities, student loans, etc. ). It is inconceivable that the bank even allowed that amount of withdrawals/charges within 72 hours, and even more unfathomable that they would not refund the money stolen.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America fraudulently charged me {$380.00} in fees XX/XX/XXXX on a closed account. 
Was not able to open bank account elsewhere until paying bofa the fraudulent amount they extorted from me. Today, XX/XX/XXXX they refuse to refund $ XXXX monthly maintenance fee and despite XXXX calls today, XXXX rep at XXXX XXXX cst put me on a XXXX minute hold returning to call refusing to let me speak to supervisor. On XXXX call asked for supervisor told all were too busy to talk to me but would call me back. Between jobs, need my money & need this extortionist bank to stop robbing and extorting from the American people like me
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NV)

I have already filed a complaint with you about this company in trying to reach a settlement on the account. See attached letters from company after I paid an agreed upon amount by check for settlement. Discover will not admit that the account has been settled and yet they accepted our check with this understanding.
Consumer complaint received 2015-06-30
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Consumers Inc (DC)

I called United consumers inc. to inquire about a bill that has linked to my credit when i was on my fathers insurance as a dependent. The male named XXXX was very rude when I was trying to resolve the issue he would n't give me a chance to tell him my problem i was actually trying to see who should I talk to about my issue instead of him helping me he raised his voice at me in a aggressive scary manner.