davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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. (SC)

unauthorized inquires on my credit report I've contacted the business as well as the credit bureau and no one will help 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (KY)

Equifax and XXXX XXXX XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX, which Equifax reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

Equifax reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.
Consumer complaint received 2022-01-10
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)

XXXX XXXX has been told numerous times this account there're was stuff charged on this that was not mine I paid all that was charged by me seats sent new cards to the wrong address and someone charged with my new cards I did not know for a for a month because I didn't check my account because I didn't charge anything unfair to punish me for charges not made by me.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-15
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. (TX)

I sent a letter to TransUnion dated XX/XX/2021 requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX be validated or removed from my credit report. The items continued to report the following month after TransUnion 's 30 day investigation. I sent another letter dated XX/XX/2021 requesting verifiable proof of the accounts that were showing on my credit report for the accounts listed as XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX. In the letter dated XX/XX/2021 I also requested the original contract with my signature be provided to me to show I am responsible for these alleged debts as I am entitled to receive according to the FCRA under Section 609. As of today, XX/XX/2021, I have not received anything in writing to show verifiable proof that I am responsible for the accounts showing for XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX on my credit report. Without proof and my signature to show I am responsible for these alleged debts, TransUnion is allowing anyone to furnish them with information stating it is about me and alleging to be my debt. TransUnion has violated my consumer rights by reporting this unverifiable information on my credit report.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (AL)

I have been getting charged a monthly fee of {$5.00} by Regions Bank for years when I was told by the bank when I opened the account that if I received a direct deposit that I would not be charged the monthly fee but I was still being charged this fee.
Consumer complaint received 2019-07-16
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. (IL)

I requested my credit report from Transunion on XX/XX/2019. I saw thet there was negative information reported by XXXX XXXX? XXXX  XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legaly binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had faied to provide me with a copy of any viable evidence, bearing my signature, showing thw account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Consumer complaint received 2023-03-24
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. (NJ)

In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have XXXX active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX  has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. Transunion was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. Transunion is colluding with the collection agency and Transunions action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. XXXX  times I filed dispute through Transunion website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.
Consumer complaint received 2023-03-24
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. (SC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/ 2018, The Magistrate Court for XXXX County in the State of Georgia dismissed the lawsuit from Midland Funding in the amount of {$1600.00}. Midland Funding continues to report this account on my XXXX and XXXX credit report although the case was dismissed in court. I have contacted Midland Funding by writing and phone and there has been no resolution.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 XXXX XXXX XXXX
Consumer complaint received 2020-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

PNC actively refuses to connect with XXXX, citing security issues, but is simply not true. There are articles on their refusal to work with XXXX in favor of their own competing service. Competing service is fine, but their reasoning does not hold, so they're covering up under a " sounds nice '' excuse.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

More problems with my mortgage servicer - Ditech Financial. 
Last month ( XX/XX/XXXX ) I went onto Ditech 's website to pay my mortgage. The statement showed that I had a late fee ( for what? ). I spoke to them and there was no explanation re why there was a late fee. The rep I spoke to had, " no idea '' why the fee was on my account, but assured me that I did not have to pay the fee - it had been " waived '', I was told. 
I received my current statement - now they 're billing me for 2 months of mortgage payments. 
The statement also says that my account has a {$990.00} amount shown as " funds in suspense. '' Again, there is an {$82.00} fee/charge added with no explanation. There is no note, letter or anything on their websit that explains the charge. The statement notes my {$990.00} payment made in XX/XX/XXXX, but the amount is not shown as a payment received for XX/XX/XXXX. The statement says that I owe them for 2 months {$1900.00} - that includes the mortgage payment for XX/XX/XXXX and XX/XX/XXXX and also includes the {$82.00} mystery " fee '' that has again appeared on my statement. 
My bank statement, of course shows that the full mortgage payment amount was taken out of my bank account. My money is in their bank account, but not credited to my account. 
This is the third problem that i 'm having with Ditech. A consumer has NO SAY in who services their mortgage account? Most consumers largest expense, their home mortgage, is handled by just any company? Ditech should be closed - if I messed up my money like they mess up my mortgage account, i 'm sure they would be right on my back about it. 
I guess a huge fine ( again ) is n't forthcoming. Since I am compelled to accept them as my mortgage servicer, they should be held accountable and fined, over and over, if neccesary, until they get things right.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXXXXXX XXXX  XXXX ( XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX  I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

Bank offered a promotion account opening bonus of {$1000.00} for meeting the following requirements : {$25000.00} account balance on days 30 and 180 ; and make 10 or more debit card purchase. 

Account was opening on XX/XX/2020 and at days 30 and 180 had the requite balance. In addition, debit card purchase requirement has been met. 

Despite meeting requirements, account bonus has not been paid in accordance with terms. Inquiries have been ignored both via phone and email.
Consumer complaint received 2020-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I have more than 1 time tried to get a modification of my mortgage with my servicing company CHFA. 

in XX/XX/XXXX my house caught fire. it did major damage. I fell behind on my payments, I called for a modification. Sent in the documents and it took 6 months for them to review ( I have emails ), I finally got a forbearance of 6 months in which they were to then modify my loan, they did not because I reinstated instead.

In XX/XX/XXXX I started to fall behind again due to reduction of income. I tried to modify again and again this took 6 months for them to review, again. I filed a complaint with the CFBP and CHFA stated they were within time line ( I have emails to prove they were not and when they received the last documents ). by the time they provided the Modification in XX/XX/XXXX, I was going to take the modification, but then I found out that I was getting a settlement for a lawsuit I had and decided to reinstate the loan, this was reinstated in full on XX/XX/XXXX. 

I have been struggling due to the LOSS draft on the file, CHFA actually does not communicate with their other internal departments and so they sent a property preservation company to my house who in returned caused damage and stole items off my property. I signed a waiver after a small settlement for this claim only. 

They have since entered my house 2 other times still causing damage to the house, this time they are refusing to cover the stolen items and damage. I also called the police who in fact verified that CHFA had this company enter my home ( I have emails that state the house is not vacant, I have verbally told them this on the phone as well and the calls are recorded.

I recently have had to file BK because of this. I have attempted to try again for a modification and found out today they denied me for these reasons : 1 ) NOT HAVING SUFFICIENT RESOURCES TO REINSTATE THE MORTGAGE, 2 ) HAVING HAD A MODIFICATION AND A BROKEN PROMIS PLAN, 3 ) BEING MORE THAN 12 MONTHS DELIQUENT.

These are not valid denial reasons. I work for a loan servicing company. I work with FHA I know that they did not send the file to FHA because I called them today.

The broken promise plan is because I REINSTED THE LOAN, I have the receipt to prove this.

I believe CHFA only wants to take my home and nothing else. 
I am almost done with the remodeling of the home. I have had to extend my own personal money to pay for these repairs because the insurance company refused.

CHFA 's reasons to deny my modification are unwarranted. I want to see what they sent to FHA to review, because I do know that my loan qualifies for the a Flex MOD. the prior modification they speak of do not qualify as I reinstated my loan a year ago.
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

Progressive Management Systems has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$3100.00} which is incorrect, I do not owe them anything. I explained to them that this was a medical bill with XXXX XXXX Hospital, and I was unaware that my insurance did not cover the payments. 
Progressive Management Systems told me that as long as I pay them {$3100.00}, they would immediately remove the inaccurate trade by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$3100.00} on the XX/XX/2020. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt. 
Progressive Management Systems lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. This was all a lie just to take my money in which they took from my bank account on XX/XX/2020. 
XX/XX/2020 Progressive Mgmt XXXX XXXX TEL ID : XXXX {$3100.00} I would like Progressive Management Systems to immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Progressive Management Systems infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Progressive Management Systems and XXXX XXXX Hospital is having on my life.
Consumer complaint received 2019-07-16
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: Experian Information Solutions Inc. (MI)

I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
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