davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (SC)

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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX U S DEPT OF EDXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : XXXX US DEPT OF EDXXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-10
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. (NY)

While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2019-09-08
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. (AL)

Ive been on going with Experian for going on two years. Ive sent in letters and even did disputes online. The other two credit bureaus investigated these same two companies and they were removed. However, Experian will not remove and has blocked me from being able to dispute them anymore!
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My small business recieved a check payment from XXXX 's XXXX XXXX. XXXX XXXX issued the XXXX XXXX  check in the amount of {$8000.00} to XXXX XXXX ( previous cleaner 's dba ) when in fact the current dba we use is XXXX XXXX. 

His mistake is quite understandable as he had a long business relationship with XXXX XXXX. He simply failed to make the check out to XXXX XXXX ( our dba ) as shown on his invoice. We changed the dba upon purchasing the dry cleaners for clarity 's sake to avoid confusion exactly like what's happening now. 

For 15 years we have done business banking with XXXX XXXX, We use the respective dba names of our XXXX stores and endorse checks in the CORPORATE NAME. I ( president/owner ) failed to note the word 'Express ' vs 'Cleaners ' on the check payee line and endorsed it as per normal. I submitted the check to our Huntington Bank business checking account using the MOBILE DEPOSIT application for the first time ever. This deposit occurred on XX/XX/22. 

Huntington Bank noted the payee/endorsement discrepancy and rightly put the {$8000.00} check on hold. They required a notarized 'Release of Funds ' form and explanation of circumstances, which we provided. The declined to release the funds Huntington Holds next said the original maker ( XXXX XXXX  and XXXX XXXX ) would need to request a return of funds. They ( XXXX and XXXX ) have done so, but Huntington still refuses to release the funds. 

Finally on the XXXX day ( XX/XX/22 ) of this saga I spent XXXX hrs alternately on hold and speaking to yet another indifferent person in what they call Customer Service. Each said basically " Can not help you. Not my department. Holds says to go to the local branch manager. Click. Goodbye ' The area supervisor ( former branch manager ) addressed the situation with current branch manager and they too were told that XXXX and XXXX XXXX need to request the funds release. So, I called XXXX again to reconfirm he had made the request. He had. 

I contacted Huntington Customer Support via XXXX direct message. They were quite responsive but were also stiff-armed by Huntington Holds Department with the same story : " Talk to branch manager '' and/or " Have XXXX request release ''. 

Government regulatory action is my last recourse. I have exhausted all avenues- and became exhausted in the process.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The account for XXXX XXXX XXXX, XXXX went into to chargeoff on XX/XX/XXXX. Since XX/XX/XXXX it has been reporting inconsistently to XXXX  and experian. XXXX of XXXX i called to see what i could pay ... i was told i owed {$19000.00} for a c/o that is {$9600.00}. Once an account has been listed as charge off it should nolonger accumulate interest fees. They updated my account with a past due balance of {$20000.00}. On XX/XX/XXXX i sent in to both credit bureaus requesting they verify and update this information. Still both are showing inconsistencies in the balance and late payments. I was sent an update from XX/XX/XXXX that still showed my balance with accumulated interest fees and also reported on time payments for the year of XXXX. I have not made a payment bc the balances are inaccurate.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2022 I ordered a XXXX shotgun ( order # XXXX ) online from XXXX XXXX XXXX ( XXXX XXXX XXXX ). Payment ( {$490.00} ) was made via XXXX as per XXXX XXXX XXXX stipulation, from my bank ( Wells Fargo ). I received no confirmation and no shotgun. Several email inquiries were sent regarding the order status and they requested a photograph of the XXXX receipt verifying payment, which I sent. A delayed response again requesting another photo of the XXXX document. I have examined my bank transactions and discovered that the {$490.00} has been paid from my account via XXXX transfer. 
XXXX confirmation code : XXXX. On seat agent for XXXX XXXX XXXX listed as XXXX XXXX. XXXX payment info : XXXX Of note, the aforementioned website in question ( XXXX XXXX appears to have at least XXXX near-identical sister sites called XXXX XXXX XXXX XXXX XXXX : XXXX ) and XXXX XXXX XXXX XXXX XXXX ) having simply exchanged Store for Shop in the case of one and otherwise changed some website colors, banners and fonts. The overall scheme and insistent reliance on XXXX transaction appears to be the exact same. 

Actions taken : Contacted XXXX to report fraud and to attain information for the FBI 's IC3 Form. Zero progress was made with contacting XXXX. An individual can expect zero recourse by contacting XXXX for any situation resembling the above- it is a cul de sac of assistance. Of note, their online 'Report a Scam ' requests a " 12-digit PaymentID '', instructing the filer to reference their bank statement for this number. The number on my bank statement - confirmed via an agent of my bank- is 10-digits. You MAY NOT submit the form if it does not have exactly 12-digits thus creating a veritable XXXX deadend. 

Contacted Wells Fargo to initiate a fraud investigation Completed and submitted the FBI 's IC3 Form. 

Contacted XXXX to ensure that they are aware that their company name, logo and products were being used to defraud individuals.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax is not researching disputes on unauthorized or fraudulent inquiries. Their online dispute website page will allow a dispute to be entered but they close the complaint/investigation within a couple of hours and the results always say " inquiries are a factual record of file access and can not be disputed ''. 

Their dispute and investigation process is not consistent with XXXX guidelines and continued violation will force me to seek litigation and possible class action lawsuit. 

I did manage to speak with Equifax and file a dispute with their telephone representatives and an investigation was initiated. On XX/XX/XXXX I received the investigation results stating XXXX inquiries would be deleted. Equifax Confirmation # XXXX showed : Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXX- This item has been deleted from the credit file. 

XXXX Date XX/XX/XXXX XXXXXXXX XXXX - This item has been deleted from the credit file. 

However, the XXXXXXXX XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX is still reflecting on my credit report. See attached Equifax XXXX with dispute results.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

Lakeview Loan Servicing LLC is my mortgage provider and has repeatedly billed me for their own hazard insurance policy even though I have provided proof to them, in writing and online of carrying my own hazard insurance policy through XXXX XXXX XXXX. This same practice occurred last year. 

I have requested to be refunded for the insurance billed to me through Lakeview Loan Servicing LLC for the months of XXXX, XXXX, XXXX, and XXXX but have gotten nowhere. They continue to bill me each month. 

XX/XX/2019 - I received a letter from XXXX XXXX stating that I needed to update my hazard insurance to avoid having a policy assigned to me. I did so and uploaded proof to their website. I also mailed them hard copies of my policy. 

XX/XX/2019 - I have a letter from XXXX XXXX stating that insurance ordered has been cancelled. Yet, they continued to bill me for their own insurance XXXX, XXXX, and XX/XX/2019.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (FL)

Back in XX/XX/XXXX of last year XX/XX/2018 I cancelled my service with XXXX. I cancelled the service with being about 2 days into the billing cycle for that month. I told the rep I would pay for the service I used but that's it. They claimed they couldn't do anything about it until the bill generated. I filed a dispute with them immediately. I was told I didn't need to call in anymore and they would give me a call to discuss the situation. XXXX rolls around and I am moving out of my apartment and at the same time suffering with XXXX XXXX  and having a XXXX  XXXX that failed removed. I started to get bills in the mail for around {$170.00}. Not only is that amount wrong but its significantly higher than what I should owe which is around $ 3-5 $ for two days of service and the company didn't follow proper protocol to dispute my case with ME ACTUALLY BEING INVOLVED AND AWARE OF WHAT IS GOING ON. They made a decision without informing me of anything and submitted me to collections. They never even sent me any documentation stating how they came to their conclusion. By the time I found out I was already in collections. I paid my bill a month in advance for over a year so not only did they take the credit on file. They charged me an additional {$170.00} or so over. I called back in and was told nobody could help me at the moment as the dispute was still being looked over. In XXXX ( which was plenty of time ) I get a letter from a collection company saying that my account was turned over to them. What I did not receive was ANY documentation saying how they came to this conclusion and NO phone call from anyone to discuss the situation. I called in again and XXXX told me they couldn't do anything about it since it was put into collections but that is not good enough. That is a sorry excuse for their actions and they must pay for it. They even tried to justify charging me extra stated since I cancelled my service early their was a early termination fee. Well the only problem with that is I WAS NEVER ON A PLAN. I WAS MONTH TO MONTH!!
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastpoint Recovery Group, Inc (NH)

XXXX XXXX keeps calling leaving messages about a FCC law suit for his client doesnt give the clients name or a file number, calling my phone several times a day. Today he called my job and when they told him I couldnt get personal calls he told the lady that answered the phone that it was an emergency that something had happened to my son.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-01-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance One, Inc. (CA)

Alliance one has been harassing me with phone calls and letters after I asked them to stop. I do not owe any medical bills and never have been to a medical center in XXXX. They keep telling me that I can be sued for these two accounts that are ruining my credit and that they will go after my wages. Who are these people? I am appalled that they are acting this way over medical debts that patients owe, not myself. This is so heart breaking because there is no humanity left. I will counter sue them in fact if these accounts are not deleted from my credit reports immediately! I work in health care and I am very familiar with the CFPB, FDCPA and HIPPA laws. This company is carelessly violated nearly all laws that protect people. I have denied and spited these accounts to no avail and have not received notices of disputes, validations or any important information. I will not accept any more communications with this company and I hereby resist all forms of contact. I will have proof of your unlawful behavior after this dispute and I will gladly return to this forum and continue to file for as long as I need to until I deem it fit to actually SUE YOU!
Consumer complaint received 2018-11-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (OH)

OWR NOTICE OF ERROR 524 Injunction : XXXX  XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have XXXX escrow the payment and not apply them. In XXXX XXXX XXXX XXXX transferred the loan to Ocwen. Ocwen began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by XXXX XXXX XXXX which was purchased during the federal stay was still on the property and the plicy debt being asked for by XXXX XXXX XXXX and now Ocwn was not petitioned to be in the bankruptcy plan making that debt discharged.. Ocwen was notified by Mr XXXX in XXXX when Ocwen sent out the transfer notices with the original note information that the loan data was incorrect. Ocwen did not comply with the agreement until XXXX when finally Ocwen corrected the loan in XX/XX/XXXX. Ocwen at that time was still listing a insurance debt owed from XXXX XXXX XXXX and now because of XXXX XXXX XXXX actions to create an escrow account for the insurance and taxes Ocwen began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. Ocwen refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. Ocwen filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now Ocwen has acknowledged that I had made payments and that XXXX   had not been compliant with my Bankruptcy plan. Ocwen has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.
Consumer complaint received 2019-01-17
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: ONLINE Information Services, Inc. (FL)

Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the Better Business Bureau and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

On today, XX/XX/2018, I called Equifax at XXXX- XXXX- XXXX to verify collection accounts in order with FCRA, section 609 ( a ) ( 1 ) ( A ). They absolutely refused to comply and told me those erroneous accounts will stay on my credit report for 7 years. As, well as, they also contain various multiple accounts with different account numbers for no reason at all.