davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (WA)

We had been using Keybank since our XXXX started XX/XX/2018. We had for convenience created a relationship with XXXX on our website. We had our first big event XX/XX/2018. We used XXXX " swipe '' for our evening of food, entertainment, auction, and raffle. The next day when we attempted to access our funds we were met with " unusual activity account is locked ''. As you can imagine we  were shocked and amazed that our funds we needed for entertainment, vendors etc. was being held. We had never had funds held by XXXX before. I immediately contacted Keybank to inform them of the problem and they proceeded to charge us over {$800.00} in overdraft fees. The problem was not solved for 2 weeks and Keybank continued to charge us over and over again overdraft fees. We complained to the manager, he said he spoke to his higher-ups ... nothing was resolved and they did not reverse the funds taken. We are now complaining to the Executive Team of Keybank in XXXX Ohio. We made a complaint with the Attorney General of Washington they did get to XXXX for us. XXXX continues to state they did everything right. We are stuck between two giants and we are a small XXXX. We believe that we had no negligence and no fault on our behalf. We do not understand how a bank can justify benefiting from a customers unfortunate circumstance. We would like you to approach Keybank with this problem on behalf of XXXX XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX
Consumer complaint received 2021-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (NV)

From XXXX to XXXX we had XXXX XXXX XXXX at our home in XXXX XXXX. That term was covered by a contract. Once the contract expired we tried to cancel the service as we were no longer happy with the service. They advised us that we had to cancel in writing, which we did in XX/XX/XXXX. Since we didn't hear from them again we assumed that was the end of it. We sold that house in XXXX. 

Fast forward to XXXX, and we see an item recently sent to collections on both my wife 's and my credit report from a company called Mountain Run Solutions, a debt collector, alleging that we owe them {$480.00}. They claim via the credit report entry that they filed in XXXX. They did not, as my wife and I qualified for a mortgage at 2.5 % in XXXX, which would not be the case had they done so. 

They claim we didn't cancel our XXXX agreement properly, and that the {$480.00} is fines and penalties.This is false, as the intervening time clearly proves. We have repeatedly asked them for proof of the debt, and they refuse to provide it, instead sending us only a copy of our contract, which clearly shows the term as being XXXX. XXXX was subsequently bought out by XXXX, but our calls to XXXX for proof result in our being sent back to Mountain Run Solutions. 

We checked the XXXX and there are hundreds and hundreds of complaints just like ours. It appears Mountain Run Solutions is running a scam, and hiding behind the pandemic to do it, counting on less oversight by yourselves. 

We insist that this intentional, extortive error be removed from our credit reports, and that Mountain Run Solutions be properly sanctioned for dishonest business practices. Their malfeasance has already inflicted financial harm to us. My wife had a credit card cancelled, and I had a credit limit lowered as a direct result of Mountain Run Solutions criminal actions in this case. You will almost certainly be getting hundreds of complaints about them that will seem very similar to our own. 

Please take action to put a stop this.
Consumer complaint received 2019-09-27
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)

Equifax and XXXX are reporting incorrectly a collection in the amount of {$600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the V.A. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the V.A. in any capacity and consequently I was asked to vacate the property. This collection from the apartment complex is false and should not be appearing on my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AK)

I was working with AmeriSave with on a refinance, and after reading your report of XX/XX/2014 they are doing the same thing. They intentionally mislead me on every step of the process -low interest rate, closing fees, which changed during the process. I had to pay up front {$500.00} just to move forward with the process, they assured me that this would be a quick, and that I had plenty of equity in my house,, and that I had nothing to worry about. I started the process around XX/XX/XXXX and went back and forth with them until the loan was about to close on XX/XX/XXXX. I spoke with them several times ( every time I was sent new disclosure documents ) because I couldn't see how the numbers were adding up and how it would benefit my current mortgage amount. They assured me that I would be saving more than {$300.00} a month on my new mortgage, plus being able to write off the amount I spent in points on my taxes, skip a few payment ( they really dangled the carrot ), well when I got my final closing documents it was revealed ( only after I crunched more numbers ) less than a savings of {$27.00} dollars a month and would cost me over {$8000.00} in closing fees. The last phone call I had with them on the XX/XX/XXXX the lender agreed with me and said they missed looking at my initial mortgage amount and that YES this refinance doesn't make sense. I'm demanding that they refund my {$500.00}. This is just a brief description of what happened.
Consumer complaint received 2023-03-21
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc. (MI)

THEY CALLED MY PLACE OF EMPLOYMENT HARRASING ME AND MY EMPLOYER XX/XX/2019. THEY WERE TOLD NOT TO CALL. TO MAIL CORRISPONDENCE
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital one, XXXX XXXX, XXXX XXXX, I am on a payment plan with these creditors and in return I would like to make a delete to offer, when my accounts are paid off I would like to have all negative trademarks removed.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (HI)

I have a credit card with SYNCB/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCB/XXXX with no successful resolution. XXXX, XXXX, XXXX   only reporting me 30-day late payment. There was an error on their part. I was never 30 days late.
Consumer complaint received 2018-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (MO)

On XX/XX/2018 I sent a certified mailed letter with a return receipt to Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. In my letter I asked this company to validate NOT verify an alleged debt that they are attempting to collect from me.I specifically asked for this company to please provide an agreement that had my signature on it and other supporting documentation. 

I received a letter from Debt Recovery Solution, dated XX/XX/2018, in response to the letter that I mailed to them on XXXX XXXX certified mailed. Their letter stating " we are responding to your recent request for verification of the obligated references above. Enclosed is the documentation you requested ''. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have dated their letter response one day before I even sent my letter to them certified mail. They have not provided me with the requested documentation that I asked from them. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 

I have enclosed my certified letter that I sent to this company on XXXX XXXX, Debt Recovery response to my letter, and my certified mail receipt with the date I sent the letter and the return receipt that Debt Recovery signed acknowledging that they received my letter.
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

In the Fall of XXXX, I tried to apply for a HARP refinance loan only to find that XXXX XXXX, who serviced the loan, had " bank errors '' which forbid me to do so. Hence, it was recommended that I apply for a " Loan Modification '' instead. The problem was ( as countless other consumers have experienced leading to even foreclosure ) this process was flawed with delays, incompetence, and never ending re-applications. ( In fact the Attorney General for the XXXXtate of Minnesota intervened at one point to shut down an illegal  foreclosure date! ). 

Though it took a long time, it appeared that XXXX XXXX had " finally '' reached an approval of {$1100.00} per month modification ( my current 5.25 % loan at {$1700.00} payment ), but inexplicably before signing off the 3 month trial period, transferred the loan to Rushmore Loan Mgmt Services of XXXX, CA. in XXXX, XXXX. 

That is when the insanity became even worse! 

After several applications, the underwriter presented questions never asked in my 35 years of finances which even my legal counsel could not rectify ( counsel had worked countless times with Rushmore who has had nothing but documented nightmarish experiences for consumers nationwide ). Even though I have presented financial numbers that more than qualify me for not only a Loan Modification, but even a Refinanced Loan, they refuse to " approve '' or even consider any option but either : ( 1 ) Foreclosure or ( 2 ) Repayment of back payments which would be insurmountable at approx. {$100000.00}. I have endured countless monetary losses from legal fees, not to mention did not receive a lower a 2.75 % APR as well as my credit report was ruined! My health has also taken a toll from the endless stress and hours over the years battling for what " never should have been ''. 

Now I am faced with a Lawsuit '' and even possible " Foreclosure '' when I have the Employment ... Qualifying financials ... to make payments and qualify for a modification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Loan # XXXX XXXX Rushmore Loan Mgmt.  Services XXXX
Consumer complaint received 2019-09-20
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)

My credit report currently shows XXXX charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/19 and subsequently discharged on XX/XX/2019. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Equifax, and XXXX XXXX  with no successful resolution. Equifax only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.
Consumer complaint received 2019-09-20
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. (PA)

My credit report currently shows 2 charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/19 and subsequently discharged on XX/XX/2019. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX  bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (GA)

My XXXX XXXX account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint Suntrust Bank Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to XXXX XXXX at fax # XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. According to XXXX XXXX, my Bank should be refunding me the unauthorized charge which Suntrust has denied because it seems like there seems to be a miscommunication between the two companies and neither company wants to be held responsible. 
Please see attached correspondence with XXXX XXXX and the police report.
Consumer complaint received 2023-07-28
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I opened a account with BBVA. On XX/XX/XXXX I went into the bank to fund the account but it was denied. Reason I had a charge off in XX/XX/XXXX- XX/XX/XXXX for XXXX. With a third party Bank call Simple. I never opened a account with them. Whoever open a account used a old address where I use to stay in XX/XX/XXXX/XX/XX/XXXX. I contacted Simple several times they would say someone would contact me, but never did. Simple couldn't tell me if it was being investigated are what was going on. 
On XX/XX/XXXX I received a letter from XXXX XXXX that my checking account was denied on XX/XX/XXXX. Never did try to open a account. I contacted XXXX XXXX they told me to contact Identity theft.gov. On XX/XX/XXXX I put a freeze and faurd alert on my credit. I also provided information to identity theft.gov. I contacted all three credit agencies.
Consumer complaint received 2019-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Camelot Financial Services, Inc. (TX)

I have been harrassed by ace loans of XXXX tx XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I am paid twice a week so my payments are arranged twice a week. I have been receiving harassment phone calls from XXXX. I have spoke with someone on XX/XX/19 confirming a resolution for their actions but I am still receiving phone calls. Ace Loans are calling my employer at XXXX and my personal number at unprofessional times of the day. I recieved a phone call from them twice on XX/XX/19 at XXXX. Ace Loans has called my employer several times on XX/XX/19. This is harming my personal life and my relationship with my employer.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PHH Mortgage Services Corporation (NC)

I sold a property at XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX on XX/XX/2018 to XXXX XXXX and wife XXXX XXXX. XXXX XXXX XXXX provided a payoff for {$53000.00}. The CD, Title and Deed were signed by me to complete the sale. 

Now as of XX/XX/XXXX I have a new trade line on my credit from PHH Mortgage  showing the account is 180+ days past due. 

This property was sold nearly a year ago. I need this removed from my credit at once. Attached is the CD from the sale along with a verification from XXXX showing a zero balance owed.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was looking at my credit report and notice there was a collection that does not belong to me. I sent the company and the credit bureaus certified mail telling them that this account does not belong to me. Its been about 4 weeks now, and I have not heard from them, or gotten any letters from them.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.