davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my previous dispute to XXXX / Transunion, XXXX FALSELY ACCUSED ME The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. Therefore, we are declining your request to block one or more of the requested accounts. 

I DID NOT OBTAIN ANY GOODS, SERVICES, MONEY of any of these accounts. 



I have reported XXXX and Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by both of these consumer reporting agencies, I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. 

The fraudulent account that I am requesting be blocked and asking XXXX to cease and desist reporting are. XXXX XXXX : {$3700.00}, XXXX XXXX XXXX {$4600.00}, and inquiries with XXXX, and XXXX, I have never applied for any XXXX  product or XXXX PRODUCT, please delete these inquiries as I have never applied. 

The inquiries are ; Inquirer Name XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX AUTO ; Inquiry date : XX/XX/XXXX XX/XX/XXXX XXXX CARD ; Inquiry Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2019
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I submitted a complaint with CFPB. The complaint number is XXXX. 

The complaint was closed and stated that I was supposed to receive correspondence from TransUnion regarding how they verified information on my credit report. I have never received any letters or phone calls from TransUnion regarding my issue. 

I am requesting this erroneous information be deleted from my file as they have violated FCRA on multiple occasions. First they did not respond to my original request within 15 days and I have not received any information regarding my CFPB complaint.
Consumer complaint received 2019-07-23
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. (GA)

Disputed the amount of HOA ( home owner association ) fees. When amount is in dispute or not correct, homeowner is not required to make payment on disputed amount. HOA egregiously reported amount in dispute to credit bureau as late payment. Once account was reconciled, bill was immediately paid, however HOA and credit bureaus have been negligent in removing late payment from credit reports.
Consumer complaint received 2019-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

They put two charges a derogatory marks on my credit that do not belong to me. They were in my ex wifes daughter name and not my child. XXXX took them off right away snd I submitted a dispute the min it showed up. I have XXXX XXXX   and am in good standing and even contacted them and they agreeded not mine. This debt comp preferred cms out 106 ) 5 then 107 two times on my credit snd they are 1000 % not mine. They called once a long time ago and a year later it shows up on mine. I haven't lived with my ex in 2 years. I request it be taken on and removed just as the other credit B did.https : /XXXX
Consumer complaint received 2019-07-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Missouri is being reported on to the file that your company maintains up under my personal file with accounts ending in XXXX and XXXX and. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered the bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

13 months of covid -pandemic related forbearance. I was given XXXX funds assistance with an approval that was sent to DMI. The payment to my account # XXXX was made by XXXX XXXX sent via ACH which DMI continues to state they Have not received. I have received XXXX confirmations from XXXX all which were sent to DMI and my loss mitigation rep. It's been 34 days since the payment was sent to DMI, mortgage servicer. 

Date : XX/XX/2022 Amount {$62000.00} Account # XXXX XXXX Routing # : XXXX Address : Dovenmeuhle Mortgage Inc Payment Clearing Account Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX indicated the payment included the following Reference : XXXX XXXX XXXX XXXX I need to know why DMI is lying and indicating they have not received this payment. It would be different if they indicated they have the payment and they will process it in X amount of days, but this is not what they are telling me. Confirmations of " no payment '' are done via email.
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc. (IL)

XX/XX/XXXX called requested information on file, called XXXX  XXXX to see when where and who. Hospital said the information I was given went to some one elses medical record. Address name and birthdate. Called healthcare i was told they would look into it called XXXX  XXXX  again to see if anything at there hospital was in collections other than the account I already had with a different company ran a diffrent computer check whichs came up empty. This company as of XXXX has added them selves to my XXXX and was already on my XXXX.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

Canceled lawn care services in XX/XX/2021 and received cancellation confirmed number. They continued to send technicians for 2 additional treatments after the cancellation date. Informed technician that service was canceled but he continued to spray the weeds. I can provide a copy of the emails with cancellation # dated XX/XX/2021. I do not plan to pay for any service performed after that date.
Consumer complaint received 2021-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I joined a promotion of XXXX XXXX XXXX in XXXX in Citi Bank XXXX XXXX branch, that is I deposited {$50000.00}, I can get a XXXX gold tiger, it cost around {$250.00}, the bank promised I can get it before XX/XX/XXXX, but I didnt get it at that time, when I got to the branch, they told me they dont have it for me. I reported a complaint to you on XX/XX/XXXX, then I received an email from Citi Bank company on XX/XX/XXXX, they told me that they sent me a new XXXX XXXX XXXX Promo gift on XX/XX/XXXX and it can take XXXX weeks to arrive. But it passed almost XXXX months, the branch havent received it yet. When I called Citi Bank, they told me that they didnt know the status, maybe it was lost on the road, and they didnt have the tracking number. After that, they didnt answer me any email.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

My XXXX credit score decreased by 38 points and the reason is not clear. I have over $ XXXX in credit with 100 % on-time payments. I have consistently kept my credit card balances within 2 % to 4 % per card and total credit across all cards.. I typically pay balances in full immediately or within 60 days. I had to replace the a/c in my home and used ~ {$7800.00} of one card that has a credit limit of over $ XXXX. My credit score immediately plunged and continued to decrease with each subsequent purchase. 

I worked very hard for nine years to increase my credit score from low 600s to 800s. I have earned my credit and should not be unduly penalized if I occasionally have to use my credit. My total balance owed across all cards is less than 10 %. I have significantly paid down or paid off installment loans while managing credit cards.

I can not understand the reason for the drastic changes in my credit score.
Consumer complaint received 2017-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion, XXXX and XXXX continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

1- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 2- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 3- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} XXXX XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paper work Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX Difference of {$19.00} 6- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 7- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00}. 
8- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. On this date my interest rate is 3.875 % payoff amount per Ocwen is {$170000.00}. Ocwen took over my loan at the amount of {$20000.00} at the same interest rate. Should n't the monthly payment be dropping since 3.875 % of {$170000.00} is less than 3.875 % of {$200000.00}? But Ocwen has been raising my escrow payment it seems to make the difference. 
9- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$58.00} 10- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00} 11- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. 
This is a difference of {$350.00} That should of been applied to the principal of the loan.
Consumer complaint received 2017-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax has put me on a do not call list, because I 'm trying to correct their mistakes that they refuse to correct. I 'm sick of dealing with these people, if they would get it right I would n't have to call. I have two accounts that are listed as open account, and listed as BK s as well, the BK should have closed those accounts.XXXX XXXX and XXXX XXXX. Also the two tax liens XX/XX/XXXX and XX/XX/XXXX should show realased, and then remove after the 7 years.everyone else got it right, why not them?
Consumer complaint received 2019-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

My husband and I have struggled to make the payments on the loans. Navient kept stearing us to forbearance instead of income driven repayment. Then when we asked for income driven repayment, we were told that they would send us information via email on how to apply for it. The email never came. I check spam, trash, etc. No email. Called again and asked for them to resend the email. Was told it would be in my email within 2-4 hours. Again, no email. I finally had to do research on my own and hope that I have gotten it right. My loans are supposed to show that I have made the arrangements and show current, however, it is showing that I am in default. 
Navient also has not given me any direction as to how to handle anything since I became permanently XXXX. They never told me that I could apply for special circumstance because of my XXXX status. 
Additionally, they have changed the amount of the payment on my loans several times. They sent mail with one monthly amount and then within days we get more mail with a change in the monthly amount. It was confusing. 
Navient is not acting in good faith.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

In working with Goldman Sachs who manage my Apple Credit Card, on the date of XX/XX/XXXX I submitted a credit card dispute for the amount of {$950.00} for a charge I was disputing for a hotel reservation at XXXX XXXX  XXXX XXXX XXXX in XXXX, FL. I have been now filed XXXX disputes for the same credit card charge with Goldman Sachs that has XXXX through today 's date and I continue to get no where in a resolution that is fair and just.As of today I also filed a XXXX dispute for the hotel company XXXX XXXX as well.This was for initial reservation I booked back approx. XX/XX/XXXX and within 4 hrs later cancelled the hotel reservation and at the time I was assured would not be billed as long as the reservation was cancelled within 24 hrs. I twice called the XXXX XXXX location, once the corporate office number then the actual location and each time was assured the reservation was cancelled although they refused to provide any documentation confirming cancellation. Because of my concerns with this, I filed a CC dispute and Goldman and Sachs refuses to take the additional steps to do a complete review even though I provided documentation clearly reflecting that because I cancelled my initial reservation with XXXX XXXX, I proceeded forward to book another reservation for the same dates ( XXXX XXXX ) through XXXX for the XXXX XXXX XXXX XXXX Goldman Sachs is saying that the hotel mentioned that I would of needed to call the day of my check in hotel to be refunded which makes no sense since the initial cancellation process required to be cancelled within 24 hrs which means if I booked the hotel on XX/XX/XXXX and called the hotel to cancel on XX/XX/XXXX, that would of been outside of the required 24 hr policy to cancel the reservation and be fully refunded. Please help as I feel like I have no where else to turn to and I am adamant I did the right thing and followed all processes to cancel this reservation initially with XXXX Day that no one seems to have record of now. The 3 dispute numbers filed with Goldman & Sachs are : XXXX ( initially filed on XX/XX/XXXX ), XXXX, XXXX ( filed today for 3rd time XX/XX/XXXX )
Consumer complaint received 2016-02-01
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT)

I recently attempted to receive a prescription for saizen hgh from a website that I had not done business with before XXXX I agreed to use moneygram to send {$300.00} to a clinic in XXXX. I was n't completely unaware of the risk of such a transaction, but due to FDA 's recent pressure on credit card companies to stop processing transactions for medicinal products, I found myself feeling like I had no choice but to attempt to do business this way. I wired the {$300.00} on XXXX XXXX, 2016. The salesperson I spoke to on the phone ( XXXX, phone number XXXX ) assured me that he would contact me the next day and provide a tracking number for a package that would be sent overnight delivery. Since the money was sent, all of my attempts at communications have received no response.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

By listing these accounts in this dispute, they have contravened my rights as protected by XXXX XXXX XXXX ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only XXXX percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.