davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
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. (CO)

Transunion has put illegal, false remarks on my credit file for the following CLOSED accounts. I did not give them permission to put any remarks on the following accounts and after repeatedly asking them to remove them and they refuse I am forced to file this CFPB complaint. 

XXXX XXXX ACCOUNTS ( 2 accounts ) Accounts XXXX and XXXX remarks say ( Dispute resolved, consumer disagrees ) this account should only reflect " Account closed by consumer '' and nothing more. They illegally have put ( Dispute resolved, consumer disagrees ) in the remarks section and I want it removed. I have already contacted XXXX XXXX at XXXX. 

XXXX : This account XXXX has remarks that says Dispute resolved, consumer disagrees. This remark should not be on my credit report as Transunion has illegally put this on my file without cause. The only remark should read " Account Closed by consumer '' I have already contacted XXXX at XXXX Stop putting illegal remarks on my file simply because you are trying to retaliate against me for filing complaints against your illegal reporting. This is my right and you are to follow the law and to honor my request or face the consequences for your illegal actions.
Consumer complaint received 2019-10-13
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. (CA)

Ive been disputing information with Equifax for the past three months its coming back stating the accounts are found to be mine but Ive never opened a account with XXXX XXXX or had a XXXX vacuum from them. Ive got the police report as well as the FTC report now they are wanting affidavit thats notarized. This is such a inconvenience on my end with trying to apply for new things this is in the way of me having good credit as well. Jobs have turned me down from all this there is also inquires that XXXX has removed but Equifax has not. I need this information fixed as soon as possible.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

TRANSWORLD SYSTEMS INC is falsely reporting an unverifiable utility bill on my credit report and is detrimental to my life since XX/XX/2019. I have enough bills to cover and I can not afford to have anything hurting my score now. This is causing an increase in interest percentage and a decreased chance of being accepted with different companies. I have contacted the main creditor many times and have disputed many times but the issue remains unsolved.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (TN)

I mailed a letter ( certified via USPS ) on XXXX XXXX, 2019. It was delivered to the company on XXXX XXXX 2019 at XXXX XX/XX/XXXX 

I mailed a 2nd letter ( certified USPS ) on XXXX XXXX, 2019. It was delivered on XXXX XXXX, 2019 at XX/XX/XXXX. 

The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.
Consumer complaint received 2019-10-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (VA)

In an attempt to obtain a partial lien release from Dovenmuehle Mortgage Inc, we endured more than six months of delays due to irresponsible and unprofessional behavior, grievous errors, shift of blame, negligence, and refusal to communicate, convoluting and complicating what should have been an ordinary, simple, clear cut request to release a lien. 

When our mortgage was originated in XXXX it included two separate tracts of land, only one of which was used in the LTV calculation nor was it included in the original appraisal at time of purchase. This was discovered when we tried to reconvey the second tract of land to my mother-in-law in XXXX of XXXX. So, it seemed that the request to release this tract of land would be simple since the land was not part of the LTV calculation. 

However, instead of a simple release, we were subjected to continual and repeated shifting personnel, none of whom would take responsibility to look at the details of our request or take time to understand the history of the loan. Only under threat of complaint to the CFPB ( after 6 months of dodging, delaying and degrading ) and our pointing out errors in communication and paper work was the release drafted. A final insult was that the drafted release was riddled with error - including the wrong tract # and address! 

For this dismal performance, we paid {$1500.00} and an appraisal fee upwards of {$600.00}. In addition to these fees charged by Dovenmuehle Mortgage, my mother-in-law incurred increased construction costs due to the delay of release of her land and inability to obtain financing.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OR)

There was an incident yesterday at the US Bank in XXXX, Oregon - the downtown XXXX location ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ). I am asking for someone to address this matter because I believe the bank tellers are responsible for my now ex-boyfriend stealing close to {$3000.00} from me. I called XXXX and three officers with the XXXX Police Department responded. A lot of what happened was recorded due to the officers having body cam footage. 

The bank tellers at this branch location are well aware of the fact that I receive a large check once a month for the work I do as a court-appointed attorney. The consortium I work for does not have direct deposit, and since my bank XXXX XXXX XXXX XXXXXXXX ) puts a hold on my check for approximately one week, I try to get the check cashed at US Bank since the check I receive is a US Bank check. I used to have an account with US Bank, but for whatever reason, I have been unable to open an account again. 

Because the monthly check I get once a month is so large, the bank never has enough cash to cash the check for me. The only way we figured out how to help me cash my check was to have my now ex-boyfriend open an account so that I could sign over my check to him, have the check deposited into his account, but then the bank tellers could write cashier 's checks for me so that I could get my money back and be able to pay my bills, business expenses, etc. This was the third month in a row where I signed over the check to my now ex-boyfriend WITH THE EXPECTATION that the bank tellers would write me cashier 's checks for all of my money. THEY NEVER TOLD ME THAT IF I AM DEPOSITING MY CHECK IN MY EX 'S ACCOUNT THAT I HAVE NO SAY OVER WHAT HAPPENS TO MY MONEY. What happened yesterday almost resulted in me losing close to {$19000.00}. As soon as the check was deposited in my now ex-boyfriend 's account, he left the bank in an attempt to get away with all of my money. I thankfully ran out after him, yelling and screaming, and told people to call XXXX. I eventually got my ex back into the bank and three police officers showed up to address the issue. 

NONE OF THE BANK TELLERS WOULD EXPLAIN TO THE OFFICERS THAT MY EX HAS NEVER BEEN ENTITLED TO MY MONEY. I am appalled that when I asked them to tell the officers that what my ex was doing was never authorized by me, the bank tellers ignored me. The only reason my ex has been involved is to help me access my money quickly- the money is NOT his. Had it not been for one of the police officers trying to reason with my ex, I would have lost all of my money. My ex only agreed to give me {$16000.00} of my {$18000.00} check. This is wrong and I want US Bank to pay me back the money that is mine that my ex stole from me, aka {$2600.00}.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (SC)

I received a notification on my credit monitoring app that my credit score went down 31 points. When I looked at my report, there was an account with from Credence Resource Management. I keep contacting them because I have never done business with them and this is not my debt. XXXX  XXXX was paid almost a year ago. Now the account is reporting closed. I want it off of my report.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

On XX/XX/2019 I mailed a letter ( certified via USPS ) to Debt Recovery Solutions disputing a claim that I owe {$50.00} via the supposed original creditor XXXX XXXX  XXXX   as listed on my XXXX  credit report. This debt is not mine and I do not owe it. I asked them to provide verification that this debt it mine. They have yet to do so. The letter was delivered to their company on XX/XX/2019 at XXXX XXXX. 

I asked them to provide me : 1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They have not provided me with ANYTHING.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (WA)

There are two instances that I'm writing about.

First is with XXXX, they are reporting that I had three accounts with them when I only had two accounts and I have asked them to consolidate the collections into one account rather than three as it is affecting my credit and I do not want to begin making payments until that is resolved. 
Second, is with XXXX  XXXX XXXX XXXX and north american recovery, They are charging me, what I feel is an exorbitant amount of interest, but also it is supposedly from an overdrafted account but I received a final paycheck to that same account that should have more than covered the amount to have been overdrafted and I am being refused helped when it comes to this.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted 2 wire transfers between my Bank of America checking account and my XXXX  brokerage account. I have successfully recently completed the same wires. One wire was for {$1000.00}, and one was for {$990.00}. Bank of America told me the wire transfer successfully went through, but the funds are not in my account. I called XXXX and gave them the transaction numbers, and they said they had not received them. I then called them back, and they informed me I had to pay a {$25.00} fee for each wire to initiate a trace. I didn't even know they could lose money while wiring it to myself when I had just completed one successfully a few weeks back. This amount is the vast majority of my paycheck, and I now do not have access to it.
Consumer complaint received 2019-10-13
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-10-15
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. (OH)

On XXXX of XXXX I have attempted several times to contact XXXX, Equifax, and XXXX about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX ACCOUNT # XXXX This account never went to a charge off status, which for unsecured credit is 180-days late. This is the law that pertains to the FDIC Act, Code 5000. It takes 180-days late, or a total of 210 days from last payment before an unsecure credit trade line can be values as sub-standard. Accordingly, even though XXXX XXXX was satisfied in full, there is no exception on a charge off tradeline unless the 180-day late timeline has materialized. Therefore, the Charge-Off status is outside the legal guidelines, and must be deleted permanently. 

THIS CHARGE OFF TRADELINE MUST BE DELETED PERMANENTLY!!!
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

I received a letter from Discover ; the letter informed me they issued me a form 1099-C for  the year ending XX/XX/XXXX and, after a review of the account, the form was issued correctly. 

First, I never received a form 1099-C from Discover for the year ending XX/XX/XXXX. 

Second, I should never have received this form in the first place - I didn't open the account, and I never spent on the account, so there was no income that I received - because I never opened the account and never benefited - in any way - from this account being opened. 

Apparently they are " still '' investigating this account as a result of my sharing documents that confirm that I was not living at my then home address then they issued the card, and their claim that they called me to confirm my application is untrue. Based on their statements, this investigation should be coming to a close and I should be vindicated. 

This letter about the 1099-C must be recinded when this investigation officially vindicates my claims of this account being opened via identity theft.
Consumer complaint received 2019-10-13
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. (PA)

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 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX. The letters were informing them that the debt in inaccurate and requested a letter of validation. These letters were sent to both the credit reporting agencies and the collections agencies. I later realized that these medical bills were a result of a Virginia State workers comp case and that I should never been billed since I was hurt on the job. I was recently informed that the it was unlawful for them to attempt to collect the debt from me and that it should have handled and paid by the insurance company. 

I have attempted to contact both the collectors and the credit reporting agency and my request have been ignored. As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. 

I am requesting that the account ( s ) be deleted from credit report and all further bills be paid by the insurance company.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IA)

I have attempted to contact company HR Accounts several times to remove of my report because it was due to identity Theft and I Have called asking for it to be removed as it is hurting my credit file. I have evidence showing that I was a victim of identity theft. They refused to remove from my credit file.
Consumer complaint received 2018-05-04
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. (CA)

LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX XXXX COUNTY OF   XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the Equifax breach. The name listed on the account is not my name, so now I have a copy of my lease!!!
Consumer complaint received 2019-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2019 I transferred {$750.00} on XXXX to a supposed XXXX home owner. I went Through the website XXXX to book this vacation rental for the weekend of XXXX of XX/XX/2019. I was emailing back and forth with him and he said the was going to send the rental key in the mail on XX/XX/2019. Days after the money transfer I was informed by the supposed home owner that my money was spent well and I then realized I was scammed. I contacted XXXX and my bank ( citizens bank ) and were unsuccessful I was told to reach out to the consumer financial protection bureau. Im at a loss out of options and need my money back please help.