davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (FL)

In Accordance with the Fair Credit Reporting and XXXX Account, the below listed accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX  : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
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. (AR)

Hello, I contacted the Experian credit bureau through mail as well as over the phone about a particular Fraudulent creditor on my credit report. I Requested they investigate the creditor. I also requested a signed document or contract showing my signature with this particular creditor. I did not receive any proof or Documents Proving a Relationship between me and said Creditor. Instead they sent me a letter saying the investigation was complete and the credit report is reported correctly. Which this fraudulent creditor is still reporting fraudulent information on my credit report. When I spoke with a representative from the agency. She explained Experian does not have to have proof of a debt or a legally binding contract between the XXXX parties for an investigation to be completed. I told her per the FCRA, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. I then shared Some information about The Fair and Accurate Credit Act. I would like some help getting this matter resolved. Thanks in Advance, XXXX
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-10
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. (FL)

Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I was contacted by XXXX XXXX XXXX, in XX/XX/2016 who offered to buy my timeshare in exchange for their vacation program, which had much lower yearly costs. They set me up with VP Title Company, who informed me it would cost {$2600.00}, plus my timeshare to enroll in the new program. Much of this fee was to TRANSFER my timeshare. They stalled the process until XX/XX/XXXX at which time they said my timeshare had been transferred. I called XXXX XXXX and found NO TRANSFER HAD OCCURRED. They simply CANCELLED my timeshare, which was valued over {$10000.00}. Furthermore they never offered me the new vacation program through XXXX XXXX XXXX. I contacted American Express within a day or two, in early XX/XX/2016, informing them what happened and they started dispute. VP Title sent information stating that CANCELLATION AND TRANSFER meant the same thing. I sent them information from XXXX XXXX stating these terms certainly did not mean the same thing and since I paid for transfer, not cancellation, I requested my money back. I have repeated disputed this with American Express ( >2 years ), requesting conference calls with VP Title or XXXX XXXX, or speak to manager. I never get my requests honored and never get the same person to speak to. Just chain letters from American Express requesting more info, but never addressing the information that I sent from XXXX XXXX  that A TRANSFER OF MY TIMESHARE WAS NEVER MADE.
Consumer complaint received 2018-04-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (WA)

I paid my mortgage off with Spec Loan Sv in 2019 however XXXX is still reporting a balance of {$200000.00}. 
I tried disputing the information directly with XXXX and they refused to fix it. 

It is reporting correctly to the other two bureaus, XXXX XXXX and XXXX. I paid it off in 2019 and I tried disputing it and it was never corrected.
Consumer complaint received 2022-06-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Freedom Mortgage processed a late payment due to a shortage of escrow. I was not notified by Freedom Mortgage of my escrow shortage, nor given the opportunity to pay the shortage. I have never made a late payment. My XX/XX/2022 due date XXXX XX/XX/2022 I was credited by my bank XX/XX/2022 in the amount of {$2700.00} which was short of the new escrow catchup payment to which I was not notified until I received my XXXX statement in the mail on XXXX XX/XX/2022. Freedom Mortgage chose to render this amount to a separate account showing me delinquent for the full amount. I promptly called and requested the late fee be waived, which they did. And, I paid the amount determined due with my {$2700.00} already paid. Freedom Mortgage sent another paper mail reference foreclosure proceedings and reported my late payment to the XXXX credit reporting agencies. I requested they notify the credit reporting agencies of their mistake. They never attempted to contact me by phone or email at all claiming t have mailed me for action. They simply sent the next XXXX statement as late owing the {$2700.00} plus {$290.00} escrow shortage plus the new escrow catch up payment {$2900.00} and the {$89.00} late fee. 

If this is the manner Freedom Mortgage notifies VA loan customers to the credit agencies on a routine basis I request you further investigate the matter. 




Secure message sent XXXX XX/XX/2022 to Freedom Mortgage : I am writing to request you retract my XXXX late payment report to the credit agencies to which you refunded the late fee. Please notify the XXXX credit agencies this was an erroneous late report. I was never notified by email, telephonically or by mail of my escrow shortage. I also was not given the opportunity to make a XXXX time payment. I paid promptly once notified. Please let know when this action is complete or your decision as soon as possible so that I may take the appropriate legal action if necessary. If this is a systemic problem within your company in servicing VA loans please correct. 

No response to date on credit agency erroneous reporting.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general XXXX at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, XXXX and Equifax directly to dispute the inquiries and request they be removed. I did not authorize the inquiries and was told by each that it is legal for an auto dealership to run your credit through several banks, and the inquiries would remain on my credit report for 24 months, and I did not authorize any of this and that does not make it right or legal.
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$9300.00} / XX/XX/2021
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

This problem actually started in XX/XX/XXXX when I received notice of escrow shortage in the amount of {$3700.00} when they raised my payment amount from {$540.00} to {$700.00}. Then XX/XX/XXXX they sent another escrow shortage notice in the amount of {$2500.00} and raised my payment slightly from {$700.00} to {$700.00}. Then XX/XX/XXXX I received another escrow shortage notice of {$1500.00} and raised my payment from {$700.00} to {$710.00}. Then XX/XX/XXXX I received another escrow shortage notice {$2600.00} and they are raising from {$710.00} to {$880.00}. The notice states exactly this : " Our review shows your escrow account has a shortage of {$2600.00}. Once we pay your upcoming insurance and/or tax payments, your escrow will fall below the required minimum balance. See Section 4 for details. Your monthly mortgage payment is also changing XX/XX/XXXX. Your new payment amount depends on which option below you chose : " Choices are pay the escrow shortage balance {$2600.00} in full by XX/XX/XXXX or monthly payments raises to {$880.00}. I have called repeatedly since XX/XX/XXXX to try to resolve this issue. And in just this last 2 weeks  have left several messages online and on voicemails to have someone contact about this very serious issue. I have asked to cancel the escrow account since I have now been paying directly to the insurance agent the homeowners insurance since XX/XX/XXXX. They still have not contacted me, they still have not closed the escrow account. I sent a certified letter in the mail directly to their office on XX/XX/XXXX requesting them to close my escrow account and provided proof of Homeowners insurance that is paid through XX/XX/XXXX that I paid from my pocket ... not the escrow account. No one at this company returns calls, no one answers when transferred to their customer care line. It says there is a 20 minute wait but it actually hours ... then still no one ever answers. I've sent online messages to have someone contact me from the escrow department many many times and more recently within these last 2 weeks yet no one has ever contacted me. This payment is double what is should be. And they are stating that this escrow shortage is to cover what is going to be paid ... .when really nothing will be paid from the escrow account since I am paying the insurance agency directly. Please help me.
Consumer complaint received 2022-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Transunion that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general XXXX at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, Transunion and XXXX directly to dispute the inquiries and request they be removed. I did not authorize the inquiries and was told by each that it is legal for an auto dealership to run your credit through several banks, and the inquiries would remain on my credit report for 24 months, and I did not authorize any of this and that does not make it right or legal.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (GA)

I mailed a check to Avant LLC on XX/XX/2022. Avant LLC cashed my check on XX/XX/2022. However, Avant LLC stated they had not received a payment as of XX/XX/2022. I sent Avant a copy of my check on XX/XX/2022 as proof of payment. I received a conformation email on XX/XX/XXXX stating that they received my documents. I called today, XX/XX/2022 asking to speak to a supervisor and I was told no supervisor was available. I was also told this on XX/XX/2022 when I called. On today, XX/XX/2022, I was then told Avant LLC do report to the credit agency and that interest and fees would still accrue.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WI)

I opened my checking and savings account on XX/XX/18 using a link on the Citi website promising a bonus of {$400.00} if I would deposit {$15000.00} into my checking account and keep it there for 60 days. According to the terms of the offer, the {$400.00} bonus would be paid out within 90 days after the 60 day time requirement was met. That 90 day deadline is XX/XX/18, and the bonus was not paid within the promised timeline. 

I'm attaching the transcript of an online chat I had with one of Citi 's representative 's which confirms the facts that I met the terms of the offer, the dates involved, and the bonus hasn't been paid yet.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MD)

I contacted the company in XX/XX/2018 to notify them that this was not my debt. I spoke to XXXX who notified me that the SSN on the account did not match my SSN. I proceeded to ask how they could legally report this on my credit when it is not my debt. She asked me to send her a copy of my credit report showing that the debt is on there which I did. I called 2 weeks later to confirm receipt and she confirmed that they had received it and the dispute was processing. I called another week later and she stated that it was still processing and she had no idea how long it would take. I requested a copy of any information that she has to prove that the debt is mine yet I haven't received anything. I waited a month and called again and asked for a manager who basically said whoever I spoke to last shouldn't have spoke to me because the SSN on the account isn't mine. I explained to her that although it isn't mine it is still illegally reporting on my credit report and I am trying to buy a house. She said something was sent yesterday to me ( how coincidental ) about the debt. No one it helping me but they all agree that the SSN on the account is not mine and neither is the debt. The amount of the debt is only {$140.00}, if it were mine I'd pay it.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CA)

I have two IRA accounts with Citibank. One has $ XXXX. The other has $ XXXX. Citibank has charged me {$100.00} in fees a number of times over the years because of " low balance '' in the one account with $ XXXX. They refuse to take the combined balance into consideration and refuse to refund the multiple {$100.00} fees. 

In addtition to this, when I let them know that I would like to liquidate all of my Citibank accounts and rollover the funds to XXXX they informed me that it would cost {$95.00} to close the account. 

So many customer experience problems here. One - Citibank would seemingly rather me remove $ XXXX from their bank rather than refund me a few hundred dollars in feeds. Two - they want to charge me for closing my account. 

CFPB - please help! Thank you.
Consumer complaint received 2018-12-12
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. (GA)

XXXX  should not be reporting this! This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (UT)

Re : I. C. Systems In XX/XX/XXXXI accessed my credit report to discover a Collection was on the report from a supposed medical bill from XX/XX/XXXX, as of which I received zero communication of the debt in 5 years.

I contacted I. C. Systems in XX/XX/XXXXand the representative indicated an attempt to contact me three times in the year XX/XX/XXXX were made via phone ; however, no logs exist on my phone records showing the company attempted to contact me four years ago. There is not a record of them attempting to contact me since.

I do not believe this debt is mine. I sent I. C. Systems a letter explaining in XX/XX/XXXX. I received zero communication until three months later in XX/XX/XXXX stating they still believed the debt was mine.

I have provided sufficient evidence the debt is not mine. In addition, I have received minimal to zero communication of this debt over the last five years.