davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (MI)

While I was on my XXXX XXXX Account on XX/XX/2021, I noticed that my credit score was dropping. In checking to see the reason why my credit score was dropping I found that there is a collection on credit report from XXXX XXXX XXXX. 

Account Number : XXXX Original Creditor : XXXX  XXXX XXXX, XXXX. 
Current owner : XXXX XXXX XXXX XXXX ID : XXXX Balance : {$1000.00} Accountholder Name : XXXX XXXX This account was fraudulently opened in my name without my knowledge. On XX/XX/2021, I filed a police report with my local law enforcement agency, and notified XXXX, XXXX, and XXXX  of Identity Theft. I have also reached out to the collection agency, and completed and returned to them a Identity thef affidavit with a copy of my police report, police report case number : XXXX with the XXXX XXXX Police Department ORI Number : XXXX. Reporting Police Officer : XXXX, Badge No. XXXX. 

I have reached out to XXXX XXXX XXXX, and was directed back to the Collections Agency. I have since purchased XXXX XXXX, and placed a Freeze on my Credit Report.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (SC)

I purchased my home XX/XX/XXXX. My payments are XXXX each month. The first week of XX/XX/XXXX I was informed by letter that my mortgage payments will increase from XXXX to XXXX beginning XX/XX/XXXX. I called to find information as to why the increase. No one could answer the question. All I could get was my escrow account did not have enough money to pay. They could not tell me why. I was sent to lost mitigation department to start the process. I was sent a packet to fill out. 
In the meantime I had to find out why. I learned that my taxes for XXXX was paid for the entire year and my insurance was also paid for the entire year. I contacted XXXX County in XXXX south carolina. I was informed that I was due a refund of XXXX because of the 2 % reduction of taxes. I called calcon and they didn't have any of the information, and was not willing to work with me. I again contacted XXXX XXXX to track down the issue. The check was sent to calcon on XX/XX/XXXX. I contacted calcon with the information and one office didn't have and I was referred to another office and they had just received the check on XX/XX/XXXX. I was told to give them a couple days and it should be processed. On XX/XX/XXXX I called to inquire and I was told that they had not processed the check and to give them a couple more days. I also inquired about the tax and insurance being paid out for the entire year of XXXX. She said that a analysis would have to be done. I requested that it be done because the error was on their part and they needed to correct it. It has been a week and still nothing has been done. Another payment is due XX/XX/XXXX. I had to borrow the money for my payment of XXXX, but I don't have the funds for the XXXX payment. After I did the math ... I don't owe anything extra. They have drug their feet for almost 2 months. How can I get them to correct this issue that they created.
Consumer complaint received 2016-03-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (VA)

For the past several yrs.i have been receiving letters, and phone calls concerning a debt that i never owed, i have advised Credit Control LLC. each, and ever time when they call me i have no ideal what there talking about as to the mention debt, and to stop calling me, and sending me letters. but Credit Control LLC. continues to harass me.by sending letters, and calling my home a few times a week. i sent CREDIT CONTROL LLC a letter about a year ago, and another letter two months ago. advise them do not ever contact me again as to a debt that i never owed but CREDIT CONTROL LLC continues to harass me. the last call i received was on XXXX/XXXX/2016 last Friday. also when i sent out the two letters i advised CREDIT CONTROL LLC they are in violation of the fair debt collection practices act. pursuit to 15 USCA Section 1692c. but CREDIT CONTROL LLC continues to ignore my request.
Consumer complaint received 2022-07-06
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. (NY)

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 XXXXXXXX XXXX XXXX XXXX ...., XXXX XXXX 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 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 35 days is a reason to remove those things off my credit report immediately. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I entered into a hardship payment plan with Comenitybank/wayfair  in XX/XX/XXXX, agreeing to pay {$98.00} per month, I was told this would satisfy the account which at that time was past due less than 3 months related to covid and a job loss. The payments were auto debited from my checking account and I have never missed a payment. However, Comenity is now saying I owed more than {$98.00} per month and that is why it was " late ''. I was never informed when the hardship agreement was made of additional money due, in fact I was told, the agreement brings the account current, to begin the hardship plan, for the {$98.00} per month. It makes zero sense to enter into a {$98.00} per month payment plan, if it essentially leaves your account still behind. It was hard enough losing my job and having to call for a payment plan, the woman told me the {$98.00} was all I needed to pay per month for the plan. I was never told there would be any " additional '' amounts due, so once the auto debit was set up I assumed the account had been satisfied. However, my credit report now reflects I paid late every month I paid the auto debited {$98.00} agreed upon payment plan. This is because there apparently was additional money Comenity wanted outside of the hardship plan, or the plan was not processed correctly, I am not sure what the issue is on their end, but I know I was NEVER told anything else was due, when the agree was initiated and in the agreement document. In the beginning in XXXX of XXXX Comenity " charged off '' the account, all while I continued to pay {$98.00} per month as agreed upon. I have also never received any communications from them about the " charge off '' or who now holds the debt, although my checking account is still debited every month for {$98.00}. 

I filed a dispute through XXXX explaining all of this with documentation and nothing changed, Comenity has put " XXXX XXXX '' on my credit report for the last 8 months in a row, even though I have paid every month as agreed upon beginning in XX/XX/XXXX.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

I did a simple {$700.00} balance transfer from my Citi Bank XXXX XXXX account to my XXXX credit card account on XX/XX/23. XXXX provided me with the cashed check copy. Citi Bank kept saying they never received the check. I provided them with the copy of the check I got from XXXX showing they received and cashed the check on XX/XX/23. Citi bank told me they applied the money to the wrong account and would correct the issue and apply it to my account. Over a month later, Citi bank informed me they reversed the balance transfer and sent the money back to XXXX. A few weeks later, I contacted XXXX and they had not received the {$700.00} back. I called Citi bank on XX/XX/23 and spoke to a supervisor. He told me that Kentucky XXXX XXXX XXXX has the {$700.00} and he refused to provide me with any proof of who or what this company is and proof that the {$700.00} was sent back to XXXX. He said " The money is gone and we can't give you any info on the agency or any proof the check for {$700.00} was sent back to XXXX. It's not our problem anymore. '' So now, I have a {$1400.00} debt on a {$700.00} balance transfer that never went through to anyone and XXXX is saying that since the check they sent was cashed by Citi Bank and not returned to them, I'm responsible for the {$700.00} Balance transfer. And Citi bank says that since they no longer have the {$700.00} Balance transfer because they sent it back, I owe them the {$700.00} as well. I've been fighting this since XXXX and reached the end of the commutation in a stale mate
Consumer complaint received 2021-03-10
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. (CA)

Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor & Experian as Consumer Disputes per the FCRA which its not and is a violation. XXXX  has already removed the account for violations but yet Experian somehow keeps finding it verified when XXXX could not. If all information is supposed to be accurate across all 3 bureaus how is it that Experian is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account US DEPT EDU has committed. This goes for XXXX as well for violations. If not settled I will take to court to collect for damages for violations from Experian & XXXX
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was reading 18 usc 894 and it seem like Transunion is a part of a extortion scheme to with this alleged creditor to collect on an alleged extension of credit by continuing to report Inaccurate information to my consumer report. 

On XXXX XXXX I mailed Transunion a Dispute of Inaccurate and/ or incomplete information on my credit report/ profile. To this day I still haven't received a response close to 45 days later. 

The FCRA requires you to verify the validity of the item with in 30 days. If the account can not be verified, you are obligated by law to immediately remove the item. In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA which I intended to do if this account isn't removed immediately. 

I am willing to settle this matters amicably without having to file suit.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The following companies XXXX  and Experian continue to list a bankruptcy on my credit report. I have contacted both of these companies by phone fax and certified mail. I have contacted then in XXXX, XXXX, XXXX and now XXXX. I have contacted the US Bankruptcy court and they report they did not share this information or nor would they. Where dis this derogatory reports come from? I haven't been able to obtain employment due to this? I have been denied credit due to this. 

This information is incorrect and inaccurate and I would like it to be reinvestigated and removed. 

I also called both agencies this morning without any success. It's still being reported on my credit report as of this morning!
Consumer complaint received 2022-10-08
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. (AL)

I have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I need 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 removed from my credit report or send debt validation of these accounts with my signature.
Consumer complaint received 2021-04-15
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: SYNCHRONY FINANCIAL (NY)

I have tried to resolve this with PayPal/Synchrony bank on multiple occasions. They are not working with me. I purchased a plane ticket through XXXX XXXX during the pandemic and it ended up getting cancelled after getting rescheduled multiple times due to COVID reasons. The merchant verified that they sent the money back to the credit card company ( PayPal/Synchrony ). However, after repeated attempts, PayPal/Synchrony refuses to give me my money back. PLEASE HELP!
Consumer complaint received 2021-04-15
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. (SC)

There are several inaccuracies on my report that I didn't authorize these accounts are violating my rights according to the FDCPA. 

PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$430.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$230.00} I AM LOOKING AT MY CREDIT REPORT AND I HAVE THESE FRAUDLENT ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR ME AND I'M NOT ABLE TO BUUY A HOME FOR MY FAMILY. How can I PROGRESS FOR MY CHILDREN WHEN BUREAUS ARE ALLOWED TO REPORT THESE FRAUD ACCOUNTS??
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (MD)

I received a check for {$200.00} from Wells Fargo for : " During a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for {$200.00}. '' They owe me much more than that.
Consumer complaint received 2021-04-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

In 2006, Wells Fargo engaged in applying late fees on top of unpaid late fees for my bi-weekly mortgage. This is known as pyramiding late fees. This was caused when they transferred my loan to a new service and stopped my account payments. This forced me to call and make ach payments by phone call every 2 weeks for about three months. The total of these late fees amounted to just over {$1000.00}. To this day, they insist on no wrongdoing even though they were successfully sued for this very same practice. Wells Fargo Home office refuses to fully investigate my claims and provide proof that my claim is false.
Consumer complaint received 2021-06-14
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)

I Am a PROTECTED CONSUMER. I sent all the credit reporting agencies a letter stating these accounts were inaccurate and fraudulent. they were supposed to remove all the accounts after 4 days of receiving my official statement on XX/XX/2021, but it is now XX/XX/2021 and these accounts are still reporting on my credit report. the FCRA says that is illegal because they are supposed to report accurately and fairly. I am asking that the CFPB please take immediate action and force these companies to abide by the TILA, FDCPA, FCRA laws. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (LA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

As part of my closing and a refinance, BJs Master Card ( Comenity Bank ) was paid by the closing law firm of XXXX XXXX XXXX. This law firm sent BJs a payment on XX/XX/2021 after the refi. closing on XX/XX/2021. The payment was deposited into Capital Comenity Bank on XX/XX/2021 which would have given me a XXXX  balance. I needed this done to close on a new property I am in the process to purchase. I sent Comenity Bank a copy ( emailed from the closing attorney ) a copy of the check with their stamp on it, " XX/XX/2021, Capital Comenity Bank ''. Comenity stated it would be up 90 days for them to investigate where the money went. I'm still being charged interest fees on an account that should be showing a XXXX  balance. I've never been late on a payment, always pay more than the due amount, always pay early. I've been a great customer. 

Absolutely unacceptable.