davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

Despite numerous written requests, the unconfirmed accounts listed below persist on my credit report, which is a breach of federal law. The XXXX Credit Bureau has not adhered to the Fair Credit Reporting Act, 15 U.S. Code 1681i within the legally mandated timeframe. They have continued to report unverified information despite my efforts to resolve this directly with the creditor. This can be seen as deliberate negligence and non-compliance with federal regulations. I kindly request the immediate removal of the following accounts from my credit reports. 
PROF DEBT XXXX
Consumer complaint received 2018-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Last year, due to the state of emergency with Hurricane Irma, Wells Fargo Home Mortgage deferred my payments until my home was repaired. It took me about 9 mos. I was allowed to pay $ 200 monthly. After I got my home repaired, I called them to start paying my regular monthly payments. I had to fax in all my income documents for the modification. They never told me that they were charging late fees & other fees for every month I did not pay my mortgage. I called and spoke with them every month. I got a call on Monday stating I owe {$9800.00} for the time I did not pay full mortgage and my account is delinquent. They said by my income I can not afford to pay this amount and they decided to refinance my home for another 30 years. I have been in my home now for over 15 years, and I owe only {$54000.00}. I am in my late XXXX 's and can not afford to refinance my home for another 30 years. They told me that was the only choice I have. This is not fair to me as an XXXX American Woman, When I spoke with them in the beginning of the deferred payments, I asked can the months I missed paying my full mortgage can be put behind? I was informed on the phone, that will be discussed after I get my home repaired. This is not fair to me, and I do not want to lose my home. I want to pay the {$9800.00} and continue with my mortgage. Please help me.
Consumer complaint received 2018-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, a hold was placed on my Bank of America account by the state of Connecticut for back taxes from the year 2014. I had been paying on these and had neglected to use their automated system correctly. I called the state XX/XX/XXXX and worked this out with them and they sent a fax to Bank of America requesting the lien be released. On XX/XX/XXXX I again called the state of Connecticut as I realized they had incorrectly also charged me for two years I did not live in the state. They apologized and sent a second fax to Bank of America asking them to expedite the release on my account. I also called Bank of America XX/XX/XXXX and was told it would take XXXX business days for the hold to be released, and that any overdrafts in that time were my responsibility. I asked at that time to speak to Bank of America 's legal department as it did not make sense to me why it would take so long to release this hold. They assured me it took that amount of time due to the many holds they received and that I would, indeed, be responsible for overdrafts accrued in that time. On Tuesday, XX/XX/XXXX, I again called Ban of America and was told the hold would be released within XXXX hours. Friday, XX/XX/XXXX, the hold was still not released and I called and spoke to a supervisor in Texas. he called the legal department and assured me the hold would be released Friday at XXXX XXXX XXXX time. It is not Saturday, XXXX, and my account is still unaccessible. I now have accrued almost {$300.00} in overdraft fees, due to automatic bill payments, and will likely still accrue more this weekend. I am appalled at this practice. I do not believe it takes XXXX, and no XXXX business days to release a legal hold on an account, I believe this is yet another way for Bank of America to take fees from people who can ill afford it. They don't care if they lose my business, that is clear, their corporate accounts are all that matters. I have been with this bank for 24 years, and can not believe this horrific service.
Consumer complaint received 2022-07-25
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 2018-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion and XXXX are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is XXXX.
Consumer complaint received 2018-09-15
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: Experian Information Solutions Inc. (FL)

The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on XXXX that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX FUNDS DEPT OF XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was charged of on the following date ( XXXX, XXXX  ) Since then the account has repeatedly been updated as charged off for 7 months straight. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information false manipulates the statue of limitations. You failed to investigate this account properly and you neglect has violated my rights. I'm am demanding a deletion of the following account. I have also contacted this credit agency regarding to this account also being fraudulently open in my name and also sent police report regarding the matter. I am demanding deletion on the following account. 
XXXX XXXX - Card ending XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (TX)

I contacted Honda Motor Finance On XX/XX/2022 to ask for help with having my payments reduced due to hardship. The representative told me that was not an option. I called again in XXXX but was threatened to have my vehicle repossessed. I have been struggling to make my payments and to make things more difficult, Honda has blocked me from making payments online and over the phone. I can only submit payments through XXXX but the fees are also adding up. I have requested for options to have payments taken automatically but Honda has denied me that option as well as any other.
Consumer complaint received 2022-03-11
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: HUNTINGTON NATIONAL BANK, THE (NY)

I Noticed Unauthorized Inquiries On My Credit Report. 

Huntington National Bank XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NY)

I have made a payment to Barclays Bank in accordance to UCC 3-603, UCC 3-111 , UCC 3-311. They received the payment on XX/XX/22 via Certified Mail.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, 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. (NC)

Hello I call Transunion to complain about the fraud inquires thats was place on my report and they was not trying to help so can you please ask them to provide supporting sign documents with my consent if not place have them to remove all inquires listed below XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018
Consumer complaint received 2019-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

My mortgage loan is delinquent and Loan Care is not providing me the ability to get caught up on my payments. About five years ago I suffered some financial issues and had to stop making my mortgage payment. Everyone suffers from hardship from time to time and when I reach out to my prior loan servicer, XXXX XXXX, they failed to provide any assistance. My loan was transferred to Loan Care about a year ago and I am experiencing the same treatment that I received from XXXX. I have repeatedly engaged their representatives and have filled out several applications for a loan modification, but the process never goes anywhere. I am frustrated with them and need the assistance of your agency to get them to work with me. I see that your agency is in place to ensure that they comply with guidelines for mortgage assistance and I am requesting that you to get involved on my loan. I want to work out an affordable payment, but fear that they will sell my home through a foreclosure sale. I had always made enough money to afford my bills and mortgage payments. However, about five years ago I had to pay for some major repair bills on my rental units and did not have tenants at the time. For that brief period of time, there was not enough money to do what I had to do and keep current with my payments. I was two months behind when I contacted XXXX to obtain some assistance. It took about six months and I was able to get forbearance, which I paid off after one year. Then I tried to get a modification and reached out to XXXX. Unfortunately, XXXX XXXX up my request for assistance and the negotiation never reached an agreement. Since the time my loan was transferred to Loan Care and I have not had a full review for mortgage assistance, even though I have sufficient income to afford my mortgage payment. They are just spinning their wheels and want to take my equity away and kick me out of my home.
Consumer complaint received 2019-05-06
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)

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are collections listed that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 

XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (AZ)

I signed up for XXXX XXXX to get a little relief on my monthly insurance premiums. I was not informed that there would be any probationary period nor was I informed that cancelling during that probationary period would cause me to owe anything extra. 

If I was not informed that this could happen, it should not be on my credit report. I have asked the XXXX XXXX, Caine & Weiner to provide me proof and they could not provide any proof that I was notified of any probationary period at all.
Consumer complaint received 2018-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (GA)

I was added as an authorized user to Chase credit card which appeared predatory for emergency purposes only. As per my recent credit report the account shows 1 30 day late, 1 60 day late and 3 90 days late from a period of XX/XX/XXXX to XX/XX/XXXX with a chargeoff balance of {$8000.00}. I was not aware account was being paid late by creditor and I want these late payments removed because this debt does not belong to me as well as I want this collection account deleted from all three credit bureaus remove my name as authorized user. I did not co-sign on this debt. This negative activity has impaired my credit and I need all negative information removed from the three credit bureaus.
Consumer complaint received 2023-03-18
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. (MI)

On XX/XX/XXXX I pulled my consumer report from XXXX, XXXX and TransUnion LLC. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my adress a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company XXXX has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. I present attachment ( s ) of exhibit ( s ) that shows a trail of paper communication between an associate and I for the company XXXX of the meaningless document that was sent to my address. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not senT me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Consumer complaint received 2024-03-01
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-09-14
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: JPMORGAN CHASE & CO. (SC)

As of this day XX/XX/2018 Chase Bank fails to verify that I own the charge offs that they are reporting on my Credit Report from all 3 CRAs I requested by certified mail on 3 occasions and complained on this portal and still no documents contractually bearing my signature as the owner of the accounts. And as of today XX/XX/2018 my XXXX XXXX still verified the inaccurate information.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

My chexsystems report shows three inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.
Consumer complaint received 2022-07-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC Account # 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 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (WA)

Dynamic Recovery Solutions working on behalf of XXXX XXXX XXXX, XXXX sent a dunning letter on behalf of an original creditor, XXXX XXXX XXXX regarding a debt of {$770.00}. I do not owe this debt and know the company is violating my rights according to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

After completing research on the company, I learned the XXXX XXXX XXXX reported 670 closed Dynamic Recovery Solutions complaints over the previous three years, including 128 closed complaints over the previous 12 months. The XXXX  gave Dynamic Recovery Solutions a B rating. Additionally, XXXX listed 23 DRS complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) listed 174 closed complaints for 2016. 

In the meantime, I will file with the XXXX XXXX XXXX and consult with an attorney regarding the issue with Dynamic Recovery Solutions.
Consumer complaint received 2022-07-10
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: Experian Information Solutions 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 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 2023-03-19
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. (OH)

I received a response from XXXX on a dispute. They stated they made corrections or deleted incorrect information! However, this is incorrect. The name on the information mailed to me is not a legal name associated to me.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

I received a notice of a debt owed in XXXX. I submitted proper documentation to prove that the debt did not belong to me. I also had a police report from XXXX as someone had been using my social security number under a different name that was not mine. American Express provided documentation from a bank account being used to pay the original debt that also did not belong to me. I had once again opened a dispute to exercise my rights under the FCRA, requesting any proofs with my name, signature, ID, and any other information used, never received this, and was bombarded with email communications offering me a chance to settle the debt and be offered a new card. I did request in the past that they stop harassing me and did so again today XX/XX/XXXX. 

This account is continuing to keep a name and address that I have never lived at showing on my report and out of greed they have made no attempts to remove it.