davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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. (AL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The debt they are trying to collect was dropped from my credit report and I did not receive a letter within five days of reinsertion. Due to this this company has been harassing me and filed a lawsuit against a debt that is not mine. It was dropped by collection agency on XX/XX/2019.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

In XXXX XXXX, someone remotely created a check for my business account at US Bank. I discovered the check the last week of XXXX, with the amount of {$4900.00}. I called the bank, and they said to come in the office to make a claim. I went to the bank office to make a report, in the XXXX week of XXXX, and they opened a claim. After many calls to the fraud department and many visits to the local office, they said the case was denied because I have only XXXX days to fill out the complaint. This is unfair because they never said this in the beginning, and never sent documentation of the official status of the case. Each time that I contacted the US Bank personnel, they gave me different information, directions, and requests with each call. I was even told by bank personnel that the money will be deposited back into the account. Then I did not see the deposit, so I called again and was told I need to send more paperwork to continue the investigation and close the compromised account. I have the original check in my hands, and you can easily notice the difference between the fake and the original. I do not know how US Bank could pay without any issues. They denied the case almost XXXX months after I started the fraud complaint process. I don't know how to recover the money, it was totally unfair the way the bank handled the situation, and time that I have spent talking with the personnel, and trips to the local office. I would not refer any small business to work with US Bank with these types of policies, and unfair practices.
Consumer complaint received 2022-07-22
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. (FL)

I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.
Consumer complaint received 2021-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

On XX/XX/2021 i sent AFNI a letter by certified mail stateing that i had no knowledge of the debt that they were asking me to submit for me to pay. I have never had no accounts with XXXX XXXX XXXX  ever. And for a 3rd party company to reach out and constantly harassed me by mail and phone has be totally unacceptable.
Consumer complaint received 2020-07-29
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. (OR)

I had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all XXXX major credit bureaus and they were closed without comment. 

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at. 

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..
Consumer complaint received 2020-07-29
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. (CT)

I joined the United States Military in XXXX shortly after that I wanted to start establishing credit. When applying for a loan in XXXX equifax stated they could not find me in the system when using my info. XXXX XXXX XXXX XXXX tried to help me get through to equifax but with no success. XX/XX/XXXX I went to apply for a home loan but equifax did not show up on report. XXXX and XXXX both gave me scores regarding my credit. I have sent in the required documentation over six times they always state they do not receive my paperwork so I sent it certified, they write back letter asking for the same documentation we sent in and stating they can not find me in the system. I have reached out by phone to equifax and get home up on several times or they say I need to send in the documentation. I am unable to build my credit if my equifax score acts like its frozen but they can not find me in their system based on my info/social security info.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

XXXX XXXX Ceo of PROFESSIONAL DEBT MEDIATION INC. sent out mailing stating that i owe a debt to him in which we have never contracted and not sure how he even has my information. This is in direct offense to my consumer rights and I am seeking remedy for such offenses.
Consumer complaint received 2018-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

XX/XX/2018 at XXXX XXXX -I called in to get more information about repayment options and to let them know I submitted something online but didn't receive any response but I did get an email about wait for your school to notify us. I was explaining this to the rep XXXX, agent id # XXXX. So people who want to make sure they understand normally repeats what was said or ask for more clarification. I repeated what she said to me to make sure I hear right and her tone immediately changed to that's what I said dummy ( and she actually did say that's what I said ). She also stated that she was going to submit something that would be retro for 60 days until the school updates my enrollment status. In the event that they don't I would have to submit enrollment and since I didn't catch what was supposed submit, I asked and she once again got smart. I politely let her know why I repeat or ask is because I wanted to make sure I heard and understood what she was saying and not to be a jerk about it AND thanked her for submitting the paper work. Not I'm not so she submitted it since I have not received any confirmation. I also see online that nothing was done and my payment looks to be doubled.
Consumer complaint received 2022-02-18
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: CCS Financial Services, Inc. (MI)

I have disputed 2 ( XXXX ) accounts with XXXX and XXXX for over 6 ( XXXX ) months. 

XXXX. XXXX : XXXX XXXX XXXX XXXX for {$100.00} XXXX Credit Collection Service XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.
Consumer complaint received 2020-07-29
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. (MA)

Identity theft and XXXX  trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX  and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TN)

My next loan payment is due on XX/XX/XXXX. I set up XXXX  payments on XX/XX/XXXX and XX/XX/XXXX, which is my scheduled payroll dates. Rocket Mortgage attempted to draft my bank account on XX/XX/XXXX. I didnt authorize this payment. They charged me a {$30.00} NSF fee. My bank confirmed on XX/XX/XXXX that Rocket Mortgage attempted the payment on XX/XX/XXXX instead of XX/XX/XXXX.
Consumer complaint received 2022-07-22
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 recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.
Consumer complaint received 2022-01-24
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. (FL)

I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2018-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Tried several times to make a payment even called the mortgage company which stated they had issues processing payment via online and over the phone, was told several times a supervisor would be contacting me which never happened, I now have a 30 day late payment on my credit file for what was the mortgage companies fault.
Consumer complaint received 2020-07-29
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: Navient Solutions, LLC. (MA)

Identity theft and Navient trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. XXXX Navient and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report
Consumer complaint received 2020-07-29
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: ENCORE CAPITAL GROUP INC. (OH)

I have a collection on my account from Midland funding, total amount was {$3000.00}. I logged into my case online on XXXX and was offered to settle for one discounted payment of {$2000.00} to which I accepted and made the payment. I have attached screenshots of both the offer, me submitting the payment and the payment clearing my account. Midland updated my credit report to show that now a current balance of {$1000.00} remains and is in collections, rather than showing a {$0.00} balance & closed/settled for less than full balance or just altogether deleted from my credit report. 

I filed a dispute through XXXX on XXXX in which I provided the same screenshots provided with this complaint showing the settlement offer and my payment being made and cleared. However, today, XXXX, I just received notice that my dispute results were ready and that the information reported is accurate. However, it is NOT accurate and I provided evidence to that fact and now and am unable to dispute the debt again online.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Checking account # XXXX had 4 fraudulent checks : 1. My bank signature were not included. 
2. None of my banking business information was included on the checks. 
3. My secured water make symbol was not includes on the checks. 
4. My sequence check numbers were in the XXXX. 
5. The fraudelent check numbers were in the XXXX. 
6. The bank notified my in writer that the problem was taking care of and my account was credit. 
6. The bank could stop payment on two check in the XXXX but let two check to through. 
7. The problem is the bank will not credit my account for the two check they let go through.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MD)

For XXXX months in 2018, M & T reported two-year-old ( 2018 ), less than XXXX, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments. 

The payments were recorded incorrectly as delinquent when they were paid within 30 days.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RENASANT CORPORATION (GA)

XXXX is reporting inaccurate information on my XXXX file. They are reporting an account from XXXX XXXX XXXX XXXX that was sent in error from XXXX XXXX XXXX XXXX. I never owed any money to XXXX XXXX XXXX XXXX this was sent in error. Also, XXXX is reporting a fraudulent account from Renasant Bank that does not belong to me. I want both account removed from my XXXX file immediately or I will get an attorney involved
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Having a car loan with Golden1 Credit Union continues to be a bad experience. Because the experience was so bad, I paid off the loan on XX/XX/2021 after five or six payments. Terrible website you can't log into, not sending me statements, and customer service that didn't answer the phone was enough. 

Today is XX/XX/2021, and I paid off the loan on XXXX XXXX, yet they are still reporting to XXXX and XXXX that I have a loan. This is negatively affecting my credit score which is a problem as I am mortgage shopping and my FICO dropped below 800 for the first time in many years, and it is because of Golden1. 

Why can they not simply report the loan as paid off?
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (KS)

Our mortgage company charged us 2 payments one week XX/XX/20 and XX/XX/20. We are on a bi-weekly auto draft with them. They did eventually refund the one payment but it took several days and put our account in negative for several days. I have tried to request the NSF charge of {$32.00} to be refunded to me from them several times and have still yet to get that refunded. Every time I call I'm on hold for at least 30 mins and usually the call takes up to an hour. Hardly anyone there knows what they are doing. I requested to speak to a supervisor and was told one would have to call me back. If one ever did call me back I never received a voicemail. We were supposed to have a payment taken out on XX/XX/20 and one still has not been taken out. I have tried calling the customer service line several times and after being on hold for about 10 mins I get someone's voicemails saying I'll get a call back and no one has ever returned my voicemail. Their service is horrible. I could manually make a payment online but I don't want to do that and then auto draft come out as well and it double charge us.
Consumer complaint received 2024-03-25
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: U.S. BANCORP (FL)

After I tried to apply for a credit card and was denied I discovered that there were loan applications that I did not apply for on my credit report. Thankfully, I had them removed and then I discovered another one from 2022 that I have also not submitted. I contacted the company because I never applied to US BANK. Truthfully, I never heard of US BANK. I am not sure how they obtained my information or how this application was submitted. I thought perhaps they changed their name and are under a DBA but it appears they are not. They have no information from my SSN on file and without any further investigation the customer service agent did not try to investigate they simply hung up the line which I considered to be very unprofessional.
Consumer complaint received 2022-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have previously complained about Portfolio recovery and the complaint was closed and nothing was resolved. Complaint # XXXX. 

Portfolio recovery has been negatively reporting to the credit reporting agencies causing my credit score to drop significantly. 

I have requested validation of the alleged debt and they have not issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. 

Furthermore, they never sent me any first communication, yet in their response to my dispute with the credit reporting agencies, they have sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX 

I have requested of them in several occasions including today via email a copy of the alleged contract between XXXX and Portfolio. Copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. 

I need someone's assistance with this company. They do not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult.