davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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)

This is the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt.

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 4 business days after the date of receipt.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Recovery Systems, Ltd (NC)

I contacted the company the debt was sold to and they dont even have the same account number as the bill I have showing what I actually owe, which is less. 
We received services for my daughter XXXX who was XXXX XXXX at the emergency room for XXXX XXXX, with XXXX insurance. The insurance paid the hospital but the attending physician was contracted and has an agreement with XXXX for specific amounts to be paid by them. XXXX was only responsible for {$70.00} of the {$500.00} to the physician which was never paid. Therefore a bill was sold to collections in my name because I am her mother and legal guardian, for the {$500.00} and not the actual {$70.00} per the insurance contract between the physician and XXXX. 

When I spoke to the company the debt is sold to they were of no help and insisted that I owe {$500.00}. When I told them I have the bill in my hand showing what I actually owe per my insurance and contract the physician has with XXXX, they didnt want to listen. 

I tried to dispute it with XXXX and submitted the bill I have and it didnt do anything.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the repayment of the escrow shortages from COVID-19 forbearance spread out over XXXX years ( XXXX months ) given this can be done. This is not yet done.
Consumer complaint received 2021-12-11
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: Nelnet, Inc. (TX)

These 3 agencies XXXX, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.
Consumer complaint received 2021-12-11
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. (TX)

Equifax has blocked or deleted my credit report and this has stopped me from gaining access to credit. I received a letter asking to send in my identification- I have mailed it in but still no change - so I am sending thru this portal to see if this can resolve the block on my credit score because this is is hurting my lifestyle and my ability to obtain credit
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP (CA)

During XXXX XXXX, XXXX XXXX XXXX paid their attorney {$1500.00} to file Bankruptcy in order to stop the sale date of my home. XXXX XXXX is foreclosing on my home and has set a new sales date of XX/XX/22.
Consumer complaint received 2021-08-25
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. (PA)

I received a bill from XXXX XXXX for an unauthorized charge to renew the XXXX XXXX. I immediately contacted them. They assured me that I would be refunded the full amount of the charge. I then closed the account on XX/XX/21. I then get a notice from Transunion that I have a delinquint account. XXXX XXXX for {$10.00}. I contact them and they informed me it was an interest charge on that item that I never purchased. They said they emailed me the bill which I never received. My credit score was XXXX. I worked very hard to get it there. Transunion dropped my score 75 points for this????? # 1 Don't you think I would have paid a {$10.00} bill? # 2 How can they drop my score 75 points over this? I filed a dispute with Transunion over this on XX/XX/21. I don't have any results of the dispute and my credit score is XXXX!!! This is so unfair!
Consumer complaint received 2022-09-27
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00}.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AFNI INC. (IL)

I have an agency in XXXX Illinois by the name of AFNI constantly calling me at my place of employment. First they called for my mother and now calling for me. I dont know what this debt is regarding but they have threatened legal action to my co workers on my behalf and i want this harrassment to stop
Consumer complaint received 2021-12-11
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. (TX)

On XX/XX/XXXX, I sent your office a notice and you have violated my federal consumer rights. Notice, it is a fact that I am a federally protected consumer. So now, this is my second and final request of compliance. If within, 30 days TransUnion fails to comply we will have to handle this in court. Notice, it is a fact that I know it is a crime to threaten a lawsuit if I don't intentionally plan to do so, so please take this matter very seriously.
Consumer complaint received 2021-08-25
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. (DC)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

this is my second complaint two money orders are missing XXXX for {$220.00} and XXXX for {$250.00} they were never posted to my account but were cashed first one on XXXX and the second one on XXXX by shellpoint this makes exactly 7 of my money orders that are missing from my account and i am being penalized with {$10.00} for late fees XXXX XXXX XXXX  XXXX  XXXX mo # XXXX for XXXX and XXXX mo # XXXX for {$220.00} thanks XXXX l XXXX
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I noticed an account that was reporting a past due balance on my credit reports, from XXXX XXXX XXXX  credit card. I do not recall owing any balance to this company, so I disputed the balance amount with all three credit bureaus because I believe it is inaccurate. After I sent my dispute, I received a letter from XXXX XXXX on XX/XX/XXXX asking me for more information about my dispute. Specifically, they asked me to list the credit card charges that I wanted to dispute so that they could investigate my claim. I wrote back on XX/XX/XXXX explaining that I can not tell them which charges are incorrect because I dont know what any of the charges are. I asked them to provide a list of the unpaid charges or fees that are on the account so that I may indicate which ones are fraudulent or unauthorized. I received a response from XXXX XXXX that said they are not willing to provide any information to me regarding the past due balance. TransUnion and XXXX  closed my disputes, and somehow found that this past due balance information is valid. The issue remains - and now is further exacerbated by the fact that I can not ever properly dispute the past due balance because I have no idea what the charges are that XXXX XXXX is reporting that I owe. Apparently, XXXX XXXX had been communicating with me by mail at an address I do not reside nor do I receive mail there. I have never seen a copy of any statement showing what these charges are for. If XXXX XXXX bank refuses to validate the balance with me, they should not be validating it with the credit bureaus either. Additionally, XXXX XXXX should be required to report only 100 % accurate information, which I have not had the opportunity to confirm. TransUnion and XXXX   should be diligent in processing disputes, making sure to report only information that is factual and has been validated.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (TX)

I deposited my entire savings of {$XXXX} into an Affirm high yield savings account On XX/XX/XXXX. On XX/XX/XXXX I noticed it was frozen and called to unlock the account. Was told it would be 3 - 5 business days to talk to someone. It is now XX/XX/XXXX and no contact from Affirm has been attempted via email, mail, or phone and I still do not have access to my money. My money has be stolen by Affirm. 

I completed the onboarding process of showing my ID and taking photos of myself etc. I received an email on XX/XX/XXXX asking me to do the same thing again. I attempted to click the link and complete it, and it looked as if it was already completed not allowing me to do it again. The same answer is given each time of someone will call you back or email you in 3-5 business days and that they are escalating the issue. There is no one that can discuss your account with you or a branch to go to. This screams fraud or scam and no one should ever put their money in an AFFIRM SAVINGS ACCOUNT. There are several more reports like mine of people waiting months or worse to get access to their own money on this site and other sites. 

I have called on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 I received a payment from an user name XXXX XXXX for a transaction we made on a platform in XXXX, she transferred {$700.00} as she supposed to, she also sent money to other people I know who uses that platform. On XX/XX/2021 I noticed on my bank a hold for that money, when I called the bank the bank fraud department told me it is because she is saying someone stole her identity and made those XXXX payments, how is it possible that the bank more than a month later allow someone to claim such a thing without even a police report or something. So basically at this point I dont have my money and that person could have performed a perfect fraud to me and the bank is not protecting my assets correctly cause all they tell me is there is nothing they can do. This is gross negligence they are saying that if they notice that someone made a transfer from an IP address that is not the ones they usually use they are giving the claim to them. So technically if I use the phone of someone I know and make a transfer and then call the bank and say hey I was victim of identity theft they will just simply give me back my money cause the money was not sent from my common ip addresses? That doesnt even make sense. I am not the only person I know who has suffered from this scam in the past couple of months and the bank seems to not care.
Consumer complaint received 2021-12-11
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. (VA)

I have tried multiple times to dispute negative items on my credit report these items are not mines and have not been given reason why they are on my report I have done some reading and seen it a item can not be verified within thirty days it has to be remove it has been more then thirty days and I have not received any thing from the bureaus this is very frustrating because I am trying purchase a house
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I was placed on a forbearance plan and the company Shellpoint Mortgage has still accessed fees and did not pause any of my payments. They also did not stop negative reports on my credit. I have contacted them via phone several times since XXXX of 2021 and they tell me a supervisor needs to contact me, one is never available when I call and one will call me back. I never receive a call. I tell them I have documentation that I am on a forbearance and they tell me they do not see the letters I have from them in their system. I request to have the fees removed and the new balance given to me with the payments that were supposed to be paused during my forbearance taken out and I never receive anything other then more letters stating I am in default. I am at my breaking point with this company and just want to work out a payment with them that takes away the fees, legal fees and payments the Covid Forbearance was supposed to pause. I feel this company is not following the Covid Guidelines and are trying to just take my house. I have called, emailed and mailed letters to this company and I am just ignored.
Consumer complaint received 2021-12-11
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. (VA)

I have tried multiple times to dispute negative items on my credit report these items are not mines and have not been given reason why they are on my report I have done some reading and seen it a item can not be verified within thirty days it has to be remove it has been more then thirty days and I have not received any thing from the bureaus this is very frustrating because I am trying purchase a house
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On Sunday XX/XX/XXXX Wells Fargo bank notified me of suspicious transactions on my account. I called the bank I told them it was not me making the transactions. I asked them to put a hold on my accounts. On XX/XX/XXXX someone impersonating me called Wells Fargo bank and gained access. They were able to change my contact information and also change online account access. They also made numerous high value purchases. They also gained access to all my accounts with the bank and they started transferring money between the accounts. I went to the bank and got them to freeze the account and was told by the banker none of my accounts were frozen. I placed a security code on the account and also asked the bank that if any changes that need to be done a persons needs to come to the branch to do it. The person called again and was able to change all the account information and also reported that I was not the owner even though I went into the bank. I went to the bank again to fix all the account information. I was notified that the person fixed an appointment with the bank to come in person to make changes to the account. I asked the bank if they could do anything to prevent this fraud from repeating so many times and they said they can not call the police on the person. We called the local authorities and seems like no one can do anything. For the past week the person with impunity is going to stores in my neighborhood and online making transactions but no one seems to care on arresting them. It is sad that the bank can not fix this fraud and does not care hence the person has the ability to continue doing the fraud for the past week.
Consumer complaint received 2021-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MN)

I received a letter from Commonwealth Financial System on XX/XX/2021 charging me the amount of {$760.00} and stating that the original creditor was XXXX XXXX XXXX XXXX and that current creditor is XXXX XXXX XXXX. I also saw the collection in my credit report from XXXX. I called the collection company because they are using my Social Security but addressed using my Mothers name. We are XXXX and have the same name and last name. When I called, they gave me my mothers date of birth, and I explained that was not me. They said they would call and report the mistake to the credit bureau. My mother also called and reported she had never been at that XXXX place nor have that debt.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NY)

Cardholder closed account in XXXX. In XXXX, cardholder was notified of an outstanding bill comprised of charges post account closure. Cardholder repeatedly requested an itemized bill be mailed to verify charges and that never happened. It took four months to identify the charges that were approved by GS Apple Card after cardholder canceled the account. Cardholder ultimately paid the outstanding bill that was comprised of unauthorized charges because account was closed. Cardholder did not approve charges nor thought there would be charges on a closed account. No other established credit card company would authorize charges on a closed account ; rather they would assist the cardholder/customer on the issue. Further, Goldman Sachs/Apple Card has made it a priority to damage this cardholders otherwise exemplary credit.
Consumer complaint received 2021-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Carrington Mortgage Servicers charges me {$5.00} to make a payment using their online system. When they put it on my account statement they classify it as a late fee for {$5.00}. 

They continue to do this every single month. For my latest mortgage payment that was due on XXXX, I paid the mortgage on XX/XX/26 and they called the {$5.00} a late payment on my statement. What it actually was, was a payment processing fee that they are charging too much for.
Consumer complaint received 2015-12-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

I just filed two complaints with this bureau about Serve. The original charges I have tried to get disputed and could not, I am in the process of trying again. AND ONCE AGAIN, I AM BEING SHAFTED AND REFUSED THE RIGHT TO DISPUTE FRAUDULENT CHARGES!!! THE PEOPLE WHO HAVE REFUSED ARE : XXXX, XXXX, XXXX, XXXX, AND XXXX, WHO ARE GIVING ME THE SAME XXXX ABOUT AS REP 'S THEY DO N'T DO THAT. XXXX even connected me to the Account Protection, WHICH WAS CLOSED!!!!!!!! I 'M SICK OF THIS!!! I wa n't these amounts put into dispute : XXXX/XXXX/2015 : J. Department, {$10.00} ; XXXX/XXXX/2015 : XXXX, {$4.00} ; XXXX/XXXX/2015 : XXXX XXXX, XXXX ; XXXX/XXXX/2015 : XXXX XXXX, {$11.00} & XXXX. They 're giving me all kinds of lies. A couple of weeks ago, I was successful at getting something put into dispute. Now, suddenly, this policy does not apply and I need to speak to account protection. This is GARBAGE AND THEY KNOW IT!!
Consumer complaint received 2021-12-11
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. (NM)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates