davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IA)

Mr. Cooper purchased/began servicing my loan prior to the first payment ( XX/XX/XXXX ). When my tax payment statement was originated for XXXX ( XX/XX/XXXX ) for use in filing my taxes for the XXXX tax year the form was incorrect. I have repeatedly reached out since XXXX and received no resolution. I have talked to the escalation team many times since this occurred with no assistance. I have been told it was forwarded to the wrong department in their error. I have been told that individual ( s ) have left the organization who were responsible for my request. They have passed every date of resolution that was proposed by them. I am unable to file my tax return until I received a corrected form. Every representative that I have spoken to has conceded that the tax reporting appears to be incorrect ( this is related to my PMI insurance reporting ). At this point I'm unsure of what to do in order to move this forward to resolution. It is my understanding that Mr. Cooper has faced significant fines for similar conduct in the past, but they do not appear to be resolved.
Consumer complaint received 2023-07-01
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-12-14
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. (VA)

I have submitted multiple disputes regarding these accounts that DO NOT BELONG TO ME and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-09-20
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: Law Offices of Robert J. Colclough, III (CA)

In XX/XX/XXXX I rented an old XXXX XXXX from Allied Rent a Car and returned it with a damage on the windshield about the size of a dime. The car rental then charged me {$450.00}. I agreed to pay the damage through my credit card that I used to rent the car. The credit card policy states that rented car damage ( s ) is covered when I use the credit card for car rent payment. So it's up to the credit card to approve the claim by Allied Rent a Car. But Allied Rent a Car and its collector Allied Collection Svcs asked me to pay for the claimed damage. As in an accident, parties exchange insurance information by which damage will be claimed and processed by insurance companies. Allied Rent a Car did not follow the calim procedure and proceeded the collection through its Allied Collection Svcs that the original amount {$450.00} was then increased to {$1600.00}. They then sent the collection to report agencies to damage my credit. I disputed the report 's inaccuracy and malice which XXXX removed it for about a year but then reports the negative collection again. I recently called XXXX to remove it mentioning that it was removed before and by Code of Civil Procedure 337, the report violated state of limitation. CCP 337 sets the limitation of collection report to 4 years with the clock starting to tick as soon as " you '' miss a payment. As in the email, the amount was tranferred to collection on XX/XX/XXXX and reported XX/XX/XXXX. So by the 4-year limitation the collection and its negative report should be stopped on XX/XX/XXXX or XX/XX/XXXX. But XXXX report shows that it stays until XX/XX/XXXX. That is unlawful act by CCP 337.
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

-Last year I discovered a derogatory mark in the form of a missed payment for a medical bill I was not aware of. 

XXXX XXXX had incorrectly coded an appointment that should have been filed as a preventative appointment which XXXX confirmed as something that should have been fully covered under my student health insurance plan. 

-Both XXXX XXXX and XXXX at this point confirmed over the phone that this bill was incorrect but that the bill had been sent to Bull City Financial Solutions . 

-I disputed the bill with Bull City Financial Solutions and disputed the debt collection through XXXX   XXXX ; however, I was surprised to find the debt collection still outstanding on a recent credit check. 

-Upon speaking with Bull City Financial Solutions over the phone, they had recognized errors with the account but were unwilling to change anything. 

-On XX/XX/2019, I sent a letter through certified mail agreeing to pay the debt in full ONLY if they agreed to send a letter that would remove the debt from the reporting credit bureaus upon my payment. Within this letter, I explicitly stated the debt is not mine and that this notice was not a guarantee of payment unless those conditions previously stated had been met. 

-I called Bull City Financial Solutions again on XX/XX/2019, upon receiving no response or notification of receipt in regards to my letter. They told me Bull City could not send a letter or any written notification back to me and that I would have to take " their word for things '' after I pay the debt. 

-In summary, Bull City Financial Solutions reported a debt to the credit agencies without my knowledge, told me false information repeatedly, admitted to errors on the specific account, and has largely been negligent in their handling of the account even after my willingness to pay for a debt that should have never existed in the first place. Additionally, Bull City Financial Solutions is now demanding more money for the debt collection than the original bill.
Consumer complaint received 2019-04-25
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. (IN)

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to this, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2018-04-20
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: LoanCare, LLC (NC)

A delinquent mortgage belonging to my estranged husband was added to my credit report on XX/XX/XXXX by Loan Care ( XXXX ). I am not nor have ever been a Co-Borrower or Co-Signer on this account. He has had this loan since XX/XX/XXXX. Now that he is delinquent Loan Care has reported this account illegally to my credit report. My score has dropped 70 points. I called to discuss on XX/XX/XXXX when I discovered this error and was told the first time that this was not their error and that I had to dispute with the credit bureaus myself. I called again on XX/XX/XXXX and was told that I was not in their system as being on the loan and to submit an email to customer service. I submitted an email on XX/XX/XXXX along with 2 Credit Reports showing the negative account on my credit reports where I was listed as a joint mortgage holder. I received a generic response with a ticket number. I called on XX/XX/XXXX and was told that because I was not on the loan as a co-signer or co-borrower they could not discuss with me. If no one from Loan Care will speak with me or acknowledge that there is an error how do I get this delinquent mortgage off of my credit report?
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I disputed this account with Equifax because it was an account that I did not open. I submitted an ID theft affidavit and they did not remove this account from my report. They said it was verified. How can you verify something that is not mine?
Consumer complaint received 2024-03-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Block and remove the fraudulent account listed below, as mandated by law and the FCRA. Failure to comply within 4 business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$0.00}. Please delete this account ASAP.
Consumer complaint received 2019-06-26
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. (FL)

On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX  rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from XXXX.
Consumer complaint received 2024-03-05
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you regarding a fraudulent account that has appeared on my credit report. After reviewing my credit report, I have discovered an account that I did not open or authorize. This account is clearly the result of fraudulent activity, and I demand that it be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  NC,  XXXX  SSN :   XXXX   XXXX   XXXX   XXXX   Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifie d accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     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   .
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX2020 a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XXXX XXXX, 2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!
Consumer complaint received 2019-04-22
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: CITIBANK, N.A. (OR)

On XX/XX/XXXX XXXX I paid off the card ending in XXXX with XXXX. I paid XXXX. For some unknown reason they won't answer still, they transferred XXXX to a XXXX card I had on XX/XX/XXXX. That left me a XXXX balance at XXXX and I now owed XXXX XXXX. I called over 10 times and emailed secured messages over XXXX times asking them to correct this and transfer the money back to make both accounts XXXX. On XX/XX/XXXX XXXX XXXX decided the way to correct this was to deposit XXXX in my bank account and have me XXXX XXXX. I did on XX/XX/XXXX. I cancelled both cards. On XX/XX/XXXX I receive a statement from XXXX XXXX saying there had been a " reversal '' of the XXXX and I now owed XXXX again! I have sent over 20 secure emails. Called 6 times. Been put off by every person there. NO one can resolve this. Now they gave me a phone number to some bill pay person that is just a phone message and the person does not speak english well. Please help with this. They are now charging me interest. They won't escalate to a supervisor that will resolve it. Supervisors do not call back after I have talked to them and they promise to do so.
Consumer complaint received 2022-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Self Financial Inc. (CA)

I opened a credit builder account at https : //www.self.inc. The website claims to build your credit by creating an installment loan that they add to your credit report, and I make the payments into a CD account for 12 months, or faster if I want. After the payments are made in full, they're supposed to give the money back. 

They verify me BEFORE opening the account asking for my address, date of birth and social security number. After everything was verified, they opened an installment loan on my credit report for {$1600.00}. I opened the account on XX/XX/2022. 

Now after I paid off the installment loan, they're supposed to give the money back to me. Because it's not a real loan, they never gave me any money. They just created an installment loan on my credit report for {$1600.00}. After I pay that amount into their CD account, it's supposed to show the installment loan is paid and closed, and they return the money. 

After I paid the full amount within 3 months, they don't want to return the money because I think they are running a ponzi. I don't think the money was deposited into a CD account and they don't have the money. 

They are telling me that I need to verify my identity to prove my identity and keep the account open. But the account is paid in full and closed already. They're asking me to verify my identity by sending them my bank statements to prove I paid for the installment loan. They want to look through all bank statements for the past 3 months to prove the money came out of my account to pay the installment loan before they give me my money back. 

This is not how a CD account works. Your identity is verified before you open any type of bank account. You don't have to send bank statements to prove to put money into a CD account to withdraw your money. 

I read their reviews too late, and they do this to everyone who pays off the loan earlier than 12 months. That's their trick, they think they won't have to pay the money back until 12 months later because it's a 12 month installment. So if you pay off the loan early, they don't even have the money to give back to you. That's a ponzi scheme. 

They have no problems opening the account for you, but when its time for them to give you your money back, suddenly they pretend like they don't know who you are and you need to take picture holding your ID, send all your bank statements, and other weird the know people won't do. If you refuse to do it, they just keep your money and keep sending you to a page that explains why they're asking for those verification documents. But the page they send you to is about verification documents they might ask you to provide BEFORE opening an account. 

I don't get a real response from the company. Just the same pre-written email telling me to send them my bank statements, and a link to the page talking about documents they might require BEFORE opening an account.