davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
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. (CA)

XX/XX/1921, I disputed Accounts for XXXX XXXX XXXX and received results directly from them showing one account ending in XXXX with a result not in compliance with Federal guidelines under FCRA because the results were : All of the account details we reported are accurate. Thats it nothing else. Am I to take their WORD for it? Guidelines require much more than a TRUST US WE ARE REPORTING IT ACCURATELY Disputed on XX/XX/21, submitted with a 609 letter. Result letter dated XX/XX/21, Disputed XXXX XXXX XXXX account ending in XXXX. Sent 609 letters and 611 letters. Account XXXX disputed XX/XX/21, result : All of the account details we reported are accurate. Thats it nothing else was verified.The next thing I sent was a 611 letter that requires the bureau to indicate lots of details that include, name, contact source of the info, how they obtain the details, including tools and methods used. I got nothing. This is what they did illegal. When I submitted supporting documentation showing the first result which offered nothing but their WORD see attached-result was All of the account details we reported are accurate. Account XXXX : XXXX-dispute submitted XXXX credit report pulled by XXXX XXXX XXXX XXXX-Bureau updated Account XXXX : XXXX-dispute opened XXXX- XXXX XXXX XXXX pulled XXXX report. XXXX again accepts this result Allowing them to continue reporting an UNVERIFIED ACCOUNT. The result was clearly unverified and should have been removed XX/XX/21. Next step will be a small claims lawsuit especially since this is obvious fraudulent practices especially pulling my XXXX report to get balance on charged off XXXX accounts because they dont have them anymore cant verify. I noticed after I submitted that they pulled XXXX reports they didnt do it again! What would they need to pull XXXX reports to complete a dispute for????
Consumer complaint received 2024-04-09
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: CLGF Holdco 1, LLC (NV)

Concora Credit is lying by misrepresentating, advertising, using fictitious loose papers for the purpose of extortion and embezzlement. Aswell as using mail fraud to complete their goal to extort {$440.00} from the living breathing age of majority me.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-14
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. (AZ)

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe i may be a victim of Identity Theft, as I didn't approve any information to be used in my name. I am requesting that these fraudulent items be deleted from credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not review any notification or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting in accuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft my identity to the Federal Trade Commission Identity Theft affidavit in regards to this incident. I additional, I have attached a PTF document reflecting all items that were found to be unauthorized by any such
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I have had problems with Rushmore Mortgage, my payments keep going up - I paid the shortage amount for escrow but this was not applied, instead the payments went up by almost {$200.00}! I spoke to customer service rep, on XX/XX/XXXX, I was on the line with them for over an hour, I still do not have an answer as to why my payments are going up, I would like to have my mortgage account audited and find out why this is happening. 
Thank you for your help in advance ...
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TMX Finance LLC (GA)

Notice of dispute, requested name and original creditor name and address, never gave the info asked, more than 10 harrasing calls after told to communicate by mail on in response to affidavit. Never sent back affidavit, send debt instrument for payment that was accepted but never returned and still claiming a debt owed with no true bill ever sent. Still calling and threaten to steal car over phone.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (PA)

I tried to deposit a remittance slip to Chase bank located in XXXX, Pa and because the agent claimed to not have ever done that type of deposit I was denied service as I was explaining how the remittance slip was not money I was suppose to pay but money to be deposited seeing as though it is in a positive balance and endorsed. He proceeded to say that 15 USC 1602 ( l ) the definition of a credit card in reference to a social security card being the information to enter into a consumer credit transaction was not true. It is to my understanding that if presented form of payment it can not be denied or the debt is discharged under UCC 3-603
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (OH)

MRS BPO is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.
Consumer complaint received 2021-08-22
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. (CO)

XXXX this is a paid account and closed with a XXXX  balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.
Consumer complaint received 2022-05-20
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. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX  XXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$800.00}
Consumer complaint received 2021-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

All three bureaus. I have been trying to fight against fraud that happened at my school ( XXXX XXXX online division ) since 2010. All of my expenses were covered under grants and student loans. I was told I would not have to pay until after graduation. I was lied to and a victim of financial fraud when just before graduation the school slapped me with {$10000.00} bill they said I had to pay before I could graduate. I couldnt afford it, obviously, so the school removed my credits ( I have all ready sent proof that I technically graduated to the DOE multiple times ) and stated I didnt finish all of my credits. I was on track to graduate with a very high GPA, never missed a class, never missed an assignment. They XXXX me and its caused a massive financial hardship since. Its destroyed my credit, prevented me from furthering my education, getting decent jobs, a cant get a mortgage etc. I have asked the DOE to prove I graduated and received my diploma ( Ive proven I havent ) or to forgive my loans and remove all negatives from my credit report. This is the LEAST they could do for ruining my life. They stated I missed some sort of deadline which is false. I reached out everywhere I could think of after it happened but got blown off. Not much later my school closed because XXXX went bankrupt ( that started near the end of my classes ) and the deceit was finally exposed. I even forwarded the correspondence to the DOE with the emails I received regarding this. All I ask is for the DOE and credit reporting agencies PROVE I am wrong. If they cant, they need to wipe my records clean, wipe my loan because I owe a large amount of money for a product I didnt receive ( no fault of my own ) or we will end up in a civil battle for WAY more than the value of my loans.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: West Realm Shires Services Inc. (NJ)

As of XX/XX/2021 I have send multiple emails to FTX US ( cryptocurrency ) to let them know that I have changed my email server, and cause of that I had to change my email which is the XXXX in my FTX US account ( XXXX ) my new email is XXXX. FTX US has responded with email that state I should wait 72hrs cause they are very busy, I have waited and gone thru the process of what the email they send me in what to do, but here is the cliche it takes me back to place another support ticket.I have funds in the acct and I can not access it. Reason Im reaching out to your dept for some help.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC (TX)

The account was sent to collections without any prior notice of the total amount of the debt. It was placed in collections XX/XX/2019. It was sent to XXXX XXXX   and i never signed any agreement to pay this febt i was never notified of. I disputed the collections and was never sent any documents of the first notification or of any notifications stating i owed this debt to the orignal creditor or of the collection agency.
Consumer complaint received 2022-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MS)

I called my mortgage company ( united wholesale mortgage ) on XX/XX/XXXX about removing my PMI ( Private Mortgage Insurance ). I was transferred to the PMI department and never got an answer from anyone in the PMI department, I was told that someone will call me back later but I never received a callback. Then on XX/XX/XXXX XXXX am CT I had a chance to speak with XXXX about removing my PMI and I was told I could not remove my PMI even though I have over 20 % equity in my home. I closed on XX/XX/XXXX, at {$250000.00} and now my home equity has increased to {$340000.00} a year to date currently. I have never been late on payments or missed payments on my account. From my understanding, these are qualifications to have your PMI removed from your mortgage. Thank you for your help.
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NC)

InXX/XX/2018 I received a letter from Frost Arnett for an attempt to collect a debt for {$350.00}. I spoke with them and asked what this debt was for. They stated that the debt was for money owed from XXXX XXXX XXXX XXXX hospital stay. On XX/XX/2018, I reached out to XXXX XXXX XXXX concerning this debt. I explained to a female represetatie that my XXXX insurance was supposed to cover my debt, and if they did not cover in full, that my Medicaid would. She told me to call and get my ID number. I called Medicaid on XX/XX/XXXX, and they provided the number to me. I also called Frost Arnett on XX/XX/XXXX which they have record for at XXXX. I explained that I spoke with the original creditor, and provided my Medicaid information. I asked BOTH parties if I needed to follow up with them concerning this debt. Both said that if there were any issues, I would be contacted via phone or email. 

On XX/XX/XXXX, I received an alert on my phone stating that this account was in collections. I immediately contacted both the collection agency, original creditor, and XXXX XXXX XXXX Hospital. Everyone has a record of me contacting them concerning this debt except XXXX XXXX XXXX. XXXX XXXX XXXX stated that it is now too late to apply my Medicaid ID, and they had reached out multiple times although I have not received any communication from them.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

All XXXX credit agencies have incorrect information regarding my current address. They also do not have an accurate history of my employment. XXXX has not been updated since XX/XX/XXXX. It is difficult to say how these inaccuracies are influencing my credit score. While I have a rating of XXXX on XXXX, I have XXXX on TransUnion and XXXX on XXXX. ( In XX/XX/XXXX it was between XXXX and XXXX. XXXX is the most accurate. ) The gap is significant and without question will affect my ability to apply for loans and credit cards, as well as seek employment. I only have XXXX account with a potentially negative report, due to a late payment in XXXX XXXX. Other than that, there is nothing that should negatively effect and cause a significant drop.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (NC)

This company has tried to collect an unverified debt I have tried to solve this matter with the company several times and was actually advised by one of their former employees that they try to collect extra payments from past tenants after they lawfully finish their lease. They have sent over copies of another customers lease agreement and contact information. I am a XXXX veteran who has been unfairly taken advantage of and i need help this company deserves to be fined for trying to take advantage and overcharge consumer with fake charges.
Consumer complaint received 2022-05-20
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. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ross Financial Recovery Group (CA)

Received an email on XX/XX/XXXX from Ross Financial Recovery Group XXXX. XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX, claiming I owed {$200.00}. The address turned out to be a corner cafe in what looks like a residential neighborhood. Three calls resulted in a different person with XXXX XXXX accents each time. 

Previously owed {$350.00} to XXXX XXXX, which was paid in full XX/XX/XXXX to XXXX XXXX in XXXX XXXX. After going through all credit channels, XXXX XXXX confirmed on XX/XX/XXXX payment was previously accepted. 

I was informed by XXXX XXXXXXXX that Ross Financial Recovery Group was fraudulent.
Consumer complaint received 2016-02-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (NH)

I received my XXXX form from Pacific Union Financial that shows the taxes and interest paid for the year 2015. XXXX sold my mortgage to Pacific Union Financial in XXXX 2015. 
From XX/XX/XXXX to XXXX 2015 my taxes paid were {$6100.00} ; however, on the XXXX that Pacific Union sent me the XXXX showed {$2300.00} as the amount of annual taxes paid for the year. Pacific Union made a large error on my form XXXX.