davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2022-05-03
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. (OH)

In accordance with the Fair Credit reporting act Account the following credit reporting agency named Experian has violated my rights. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy deleting inaccurate information My current and only address is : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX I will attach proof of address and also my ID. 

these addresses are inaccurate and incorrect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-10-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ditech Financial LLC (WA)

I had a mortgage with Ditech Holdings. They apparently went bankrupt in XXXX of 2019 and my mortgage was sold to another lender. I sent my XXXX payment to the new lender and it was returned. This cause my Ditech account to move to 30-59 days  past due. I called and figured out that I needed to send my XXXX payment to Ditech and did so. I was informed that since Ditech went bankrupt and the loan was sold, it was illegal for them to report to the credit bureaus unless the account was more than 90 days past due. I got everything squared away and have been paying the new lender. I then noticed that Ditech REPORTED to  the credit bureaus and my score dropped by 50 points. I immediately contacted them and demanded they remove the report. They added a " Remark '' but didn't remove the initial report to my credit. I've disputed with the credit bureaus, but they state Ditech will have to agree to remove the original report. I have called and emailed and they simply have not done it. I checked and it was ILLEGAL for them to have reported due to the fact that the loan was sold due to their bankruptcy. I have NEVER missed a payment for anything and am enraged by this illegal action that has negatively impacted my credit score/reports and my ability to obtain future credit!
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Consumer complaint received 2018-11-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Once again, allow me to enlighten HSBC in regards to their lies and misrepresentation as noted in their CFPB response XXXX, HSBC states, " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). '' In all fairness, this is correct. However, the following statement is clearly an avoidance to truthfully state the facts. HSBC further states, " It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. '' This response is nothing short of preposterous. HSBC knows full well that XXXX XXXX XXXX XXXX is described in the deed dated XX/XX/XXXX. This is evidenced by HSBC ( formally Beneficial ) underwriting three previous mortgages, all of which contain the deed description of the XX/XX/XXXX deed and match the property of XXXX XXXX XXXX XXXX. They are as follows : XX/XX/XXXX XXXX XXXX, page 944, XX/XX/XXXX XXXX XXXX, page 238 and XX/XX/XXXX XXXX XXXX, page 347. All of which have been properly discharged. HSBC continues to be deceptive in not clearly admitting that the security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX, which they sold to XXXX is not the property of XXXX XXXX XXXX XXXX. As a result, XXXX and associates are trying to wrongfully foreclose on a property they have no security interest in. I would like written confirmation from HSBC stating that what I have outlined above is the truth. I encourage them to fact check my investigation of this matter. Their fraudulent deception of trying to protect XXXX and it's associates in their attempt to fraudulently foreclose is ridiculously unacceptable and unbecoming of any business that deals with the public.
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XX/XX/XXXX, XXXX XXXX-Loan # : XXXX Lender : SPS Rep name : XXXX XXXX ID : XXXX Dept. : Customer Service Email : XXXX FAX : XXXX As for XX/XX/XXXX the SPS has stop offering COVID forbearance at which point in time they started to begin the process of the foreclosure. 
I have asked for assistance due to the the medical issues and the loss of spouse and family members due to XXXX. my intent is to keep the home and have my mortgage company offer the assistance that they had promised me. Further more I have sent in the required documents to have my loan considered for the mortgage assistance programs offered under the CARES-ACT.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened a checking account at Citizens Bank many years ago. In XXXX, I legally and officially had my name changed. I brought the necessary paperwork to my local Citizens Bank branch to get the name changed on my account. Citizens was very resistant to making this change. I had to bring the paperwork back to them several times because they either ignored it or claimed that it had been lost. After months of hassle and discrimination, I decided instead to close the account completely. I requested that the account be closed after I emptied it in XX/XX/XXXX. Somehow, before it was completely closed, another charge appeared on the account and Citizens refused to close the account until the charge was covered. 

If Citizens had complied even once with any of my requests, there would not have been any charge that went through to that account. However, now I can not close it and it continues to accrue hundreds of dollars in fees. 

Additionally, my XXXX stimulus payment was later deposited into that bank account since I could not stop it in time, and Citizens used my stimulus money to put towards the charges that they created. 

Because the bank did not do me the service of changing my legal name, and treated me terribly, and subsequently stole my money, I am very angry and upset. I am already in a very difficult financial position and I did not expect my bank to contribute to that position as their customer.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-12-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Experian Information Solutions Inc. (IL)

We entered into a timeshare agreement in XX/XX/2014, within XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX the purchase, I was informed to keep the agreement for XXXX and they would resolve in good faith. They did not honor this agreement, and I engaged legal assistance to absolve my responsibilities in this scam.
Consumer complaint received 2023-01-03
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. (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 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 2020-12-12
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: Experian Information Solutions Inc. (CT)

i requested and investigation on XX/XX/2020 and i have not received any update or respond from this company, they basically refuse to investigate. 
follow up letters was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
this company have no done any investigation, inaccurate information keep been reporting in m y credit report.
Consumer complaint received 2020-12-14
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. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-06-12
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: Maximus Federal Services, Inc. (FL)

I have XXXX  loans with XXXX College in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them discharged. I am currently trying to buy a house, but with XXXX in XXXX  loan debt on a fixed income, that is not going to happen anytime soon.
Consumer complaint received 2021-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a dispute with Bank of America for a charge made to a contractor who did not do the job well. The plumber came to fix the toilet and the same component broke after a few days. We tried contacting the plumber but he never showed up. So, I disputed the charge with BofA. The plumber responds to BofA that he was willing to come and repair the toilet. So, we got in touch with him again. He refused to show up and said that I had already received my money back. Not sure what he meant by that, but probably thinking that BofA had credited the funds, which they hadn't. I sent the text exchange with the plumber as evidence to BofA that he did not do the job right the first time and failed to come and fix it. 

However, BofA closed the dispute case without resolving it. I called BofA and asked them to re-open. They said that they would not. I had to provide a 2nd opinion letter and I had to either fax it or go to a local branch to send it. So, a national bank like BofA provides no messaging capability for customers to connect or upload electronic documents. Very convenient. They do not bother researching dispute cases and even after providing clear evidence they did not bother doing anything about it.
Consumer complaint received 2022-10-18
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. (DE)

I made several phone calls to Equifax through out the month to try and explain my situation in detail. After several hours of being on the phone nobody from Equifax was able to point me into a direction to get this resolved. My current situation is : Equifax is reporting my twin sisters information which is preventing me from qualifying for any type of loan. Me and my twin sister have a very similar social security number as well as the same address and the same initials. With the personal information being my sisters, all the accounts ( closed and open ) are my twin sisters as well. The lender that I am working with for a mortgage pulled from XXXX and his results also have my twin sisters information. I am pulling my information through myequifax.com. XXXX as well as XXXX have all of my information reporting correctly. As of XX/XX/2022 I have filed 15 disputes on my credit file through my equifax.com. I called and talked to equifax multiple times they state that my information is correct but clearly this isnt accurate.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

Complaint # 1 Firstpoint Collections and Resources - Received collection letter XX/XX/2020 from XXXX XXXX, that I owed an outstanding debt of {$50.00} to XXXX XXXX XXXX XXXX. 
Responded in late XX/XX/2020, that I never received a bill, a statement, a notice, or a phone call about a {$50.00} outstanding debt or any outstanding debt with the original creditor. I also checked the " XXXX '' app where outstanding balances in the XXXX XXXX XXXX appear and found NO outstanding {$50.00} balance for XXXX XXXX XXXX 
I responded to Fastpoint requesting validation of the debt and received a response on XX/XX/2020, from XXXX XXXX, Director of Operations with a statement that Firstpoint had " contacted our client and verified that you are the responsible party ''. I have yet to receive a copy of a bill, a statement, a notice, or a telephone call from the original creditor showing me a validated claim. I only received an enclosure from XXXX XXXX XXXX XXXX which was a printout of a report showing {$50.00} was written off on XX/XX/2020, not a bill, statement, or notice. I wrote to XXXX XXXX on XX/XX/2020, requesting validation but never received a response. I have had regular annual appointments for 5 years with this provider and have always paid at the
Consumer complaint received 2020-12-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a payment on XX/XX/XXXX for my bank of america account and i received verification via email. 
The next day I was charged a late payment fee of {$27.00}. 
I was not notified until XX/XX/XXXX that they payment did not go through. 

This was paid on time. I am not responsible for any bank errors.
Consumer complaint received 2021-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IA)

According to the federal government, loan payments had been deferred and this showed on my ancient statement as well. I did not make a payment for a couple of months then was charged a late fee. I immediately payed ( XX/XX/XXXX2021 ) and tried to contact someone for clarification which sent me information on other payment options. An unauthorized payment was made from my bank account from Navi ent on XXXXXXXX XXXX,2021. When I called to question, they said it was made from my account, that I had mistakenly paid. I had not logged into my account since XXXX/XXXX/21 nor was I set up for autopay. I immediately deleted my bank account information to stop Navient from making more unauthorized payments.