davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-19
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. (FL)

According to the Fair Credit Reporting Act, Section 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 listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my report.
Consumer complaint received 2022-03-04
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. (TX)

It is unbelievable how BAD Experian is. I complained, # XXXX, wanting the permissible permission used to access my credit report on XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX XXXX Experian replied back that I was complaining about an inquiry. Perhaps Experian is guilty of child labor violation. Perhaps Experian conveniently doesn't know how nor want to read. I did not complain about an inquiry but I complained Experian and XXXX XXXX XXXX XXXX didn't have permissible permission to access my credit report on XX/XX/2017. I requested a copy of the permissible permission. Normally over 5 years Experian tells me how much they appreciate me and the passes the buck to XXXX XXXX XXXX XXXX who then calls all my complaints as duplicate while never furnishing the permissible permission. Experian must be owned by XXXX or a XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (AL)

I applied with jg wentworth for a mortgage. I did the loan application and sent in all of my information including my eligibility certification from va. I also had to pay {$450.00} for a va inspection on the house. I received an email saying that i was approved for the loan for the house. A week before closing the loan officer ask for additional information i sent to them. After i sent this information i didn't here from them any more until i called the area manager and explain to him that i was four days away from closing no one heard anything else from them. He managed to get in contact with the supervisor. On monday XX/XX/XXXX i was still waiting to here from them. I finally heard from them and about XXXX i was told that they could not use one of my income. They knew all of my income information in XXXX when i did the loan application and for them to wait until 18 hours before i closed on my house and denie the loan was unprofessional and not right. I had to go and cancel a refrigerator and also look for somewhere else to live because i had giving up my rental home to move to this location. The loan officer was very unprofessional with my realtor and the builder realtor.
Consumer complaint received 2023-03-16
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. (AZ)

I disputed the ownership of an account with XXXX XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.
Consumer complaint received 2020-06-05
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. (AZ)

We have been attempting to enroll in a Covid 19 program for payment assistance since XXXX. 
Here are the notes we have on our end : XXXX XXXX first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XXXX emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program XXXX temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that XXXX Investors was not reporting any late payments at this time. 
XXXX emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX for an updateXX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XXXX XXXX Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XXXX XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (PA)

XXXX XXXX  XXXX XXXX XXXX XXXX Tours Agent XXXX XXXX Lied to me and told me I would be able to cancel anytime without penalty. The next day on XX/XX/2021 after signing up, I sent a text message to him telling him that unfortunately after thinking about it, that we would rather not committ at this time, but never received the FREE cruise that was part of participating in the webinar. He sent me the FREE cruise which was not free at all and no options. I then contacted him again on XX/XX/2021 because I started to get harassing calls from Monteray Financial Services saying I owed a balance. I sent him the message stating that I have been trying to email to confirm cancellation of the membership and that I am not able to pay this because of a family emergency and I had been told I was able to cancel and that I cancelled with him back on XX/XX/XXXX and I should not be receiving calls. Also attached is the cancellation policy that specifically says that I can cancel without penalty with in 3 days of the above dates which was XX/XX/2021 and I followed that by contacting him on that specific date ( see text messages ) I told him that I was reaching out to membership services through email as well several times and no one has gotten back to me. He never answer back. Then I sent him another message on XX/XX/XXXX stating again I have reached out multiple times and that I need this service cancelled. I never used an services from them and their financial company kept calling and calling about this debt that I cancelled after being told I could cancel at anytime. The agent, XXXX XXXX, never responded to me at any time and when I finally got in contact with someone, they basically told me that I was a liar and that they would never say that. I still get unauthorized text messages from XXXX XXXX trying to get me to come to another webinar and try to sell me their product in which I never wanted the first place. They can text me about that, but their agents won't get back to me and lie about membership. Then yesterday, Monteray Financial has now reported a huge balance on my credit report in which should not be there.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

I have been trying to pay a debt with XXXX XXXX since XX/XX/XXXX. I switched insurances because of unfair tactics on the part of XXXX. There is still {$800.00} owed and I attempted to pay on multiple occasions but they would not take partial payments and I have experianced financial dificulty due to pandemic. XXXX said the only way to pay in instalments was to wait for the collection notice via mail and make arrangements with Collection Company in XX/XX/XXXX Then they sent it to collections and neither XXXX nor Collector on their behalf sent ANY information to me concerning debt so I have NOTbeen given the chance to pay this debt before it was reported to my credit report and ruined my great credit rating. This is unfair. I need to be able to pay this without the adverse action against my credit. I STILL have not, as of XX/XX/XXXX recieved ANY documentation regarding this item being sent to a collection company or of my rights to dispute, pay, or discuss this item before it being posted to my credit as a collection. The dispute with XXXX  was # XXXX XXXX XXXX and the only way for me to know who I could pay is the information I obtained from the collection info on my credit report.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I disputed the ownership of an account with XXXX XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.
Consumer complaint received 2018-05-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UNITED STATES MINOR OUTLYING ISLANDS)

We have a new mortgage with Freedom Mortgage. Payments after the XXXX  of each month are late. Our regular payment is {$970.00}. On XX/XX/XXXXI did a search for " Freedom Mortgage payments ''. I clicked on the link that said " Freedom Mortgage : Login, Bill Pay, Customer Service ''. The Freedom Mortgage logo showed up with the word 'payment ' to the right of the logo. I clicked 'payment ' and proceeded to process a payment for {$970.00}, a little more. Today, XX/XX/XXXX I got a call from Freedom Mortgage stating we had not made our payment. Shocked, I began to research what happened. After several calls to Freedom Mortgage I got a Customer Service Rep that admitted there is a third party, XXXX, that takes payments for Freedom but stated that XXXX is not authorized by Freedom. So I asked, " then why do you allow them to use your logo!? '' I got the repeated answer, " we do not authorize them to take payments for us ''. Same question, " then why do you allow them to use your logo ''!? I asked for the legal department to which I was told they do not take incoming complaints but that I can send an email to XXXX. I will be sending that email when I finish this but I am quite upset. If Freedom Mortgage is aware that XXXX   is using their logo to take monies for them then why is me, as a Freedom Mortgage customer not made aware that this is happening in advance not after my payment is taken! I just found out that these payments do reach Freedom Mortgage but late! Its not right!
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IN)

Any and all information as to the balances on my student loans has been taken off the Mohela website. I have requested several times that I recieve the transcripts from my loans and that it needs to include the balances that were consolidated from the original loan servicer. They have only provided me with a letter of discharge stating that my loans have been paid in full. Not even including the amount that was paid in full. I know that prior to consolidation of my loans from XXXX XXXX that I had amounts paid to XXXX prior to moving over to Mohela. I have been informed that all of the previous information pertaining to my loans would have been transferred to Mohela during consolidation! I am tired of the run around and I want the money that is owed to me, as well as all transcripts pertaining to the loans and the amounts from XXXX as well as Mohela. I have call XXXX XXXX XXXX, Mohela, and XXXX for almost a year now only to keep getting put off on the next company. I also asked for written proof of the payments that have been sent to me seeing that it has not come in XXXX lump sum, but in smaller checks, and I have not a clue when or if I have recieved all payments sent. I have not recieved any of that information either!
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (CA)

I originally had XXXX XXXX as my mortgage company and I was on a forebearance with them because I was struggling in paying my mortgage every month so as of XX/XX/2023 XXXX XXXX  sold my mortgage to Get Sit Solutions. Around the second or third week of XXXX Get Sit Solutions contacted me to let me know that they took over my mortgage from XXXX XXXX  and I mentioned to them that I was on a forebearance plan and was I able to continue to be on the forebearance plan and I was told no because they did not offer it.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — Store credit 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 (AZ)

I purchased an office chair on XX/XX/XXXX using my Amazon Synchrony credit card, along with a {$20.00} 3 year warranty. We returned it because it was very cheaply made and was not accurate when it said it would hold a heavy person, it was flimsy. I went online to start the return process and selected the return to original payment method. I called the credit card company a few days later and the lady assured me it would be refunded to my credit card, just give it a few days to show up. Well on XX/XX/XXXX when my payment was due, the {$170.00} was still not refunded, yet the {$20.00} was. I called customer service and was given the run around, passed all over the place, until finally I spoke with XXXX. She told me that it was refunded to my gift card balance! I was very upset, and asked her why. This was so unfair, I paid with it by credit card, and it should go back to my credit card, but instead I am stuck out of {$170.00} because they put it on there, so they could still get my money and hold it hostage, forcing me to still give them almost {$200.00} of my money. She claimed that I selected return to gift card, I DID NOT DO THAT, why would I do that, I selected return to original payment method! Furthermore, the warranty was on the same transaction, why did the {$20.00} get refunded to the card, and not the {$170.00} get refunded to my card? It is very suspicious and indicitive of dishonest and unethical business practices! This is so wrong and evil! I need my money refunded, not put on the amazon gift card, where I am forced to use my money on their company for an item I returned! I want a full investigation of this company and their egregious, dishonest and shady business practices! I have now been forced to pay {$170.00} on this account, when it should have been refunded to me, and money is so tight right now, to have to be paying for something I returned and now have to be hostage to Amazon for my money to use it ONLY ON THEIR COMPANY! So wrong!
Consumer complaint received 2019-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-03-07
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)

They're are these Hard Inquiries on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX These are all wrong , and I wasn't made aware of till now and it Is affecting my credit.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The new credit card I received and have been using has not been added to my report and it has been more than 3 months since I got it. XXXX XXXX is falsely reporting my XXXX XXXX credit card balance for the second time.
Consumer complaint received 2018-05-19
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: EQUIFAX, INC. (FL)

Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-27
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. (CA)

I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXX) WITH A BALANCE OF $XXXX, XXXX(XXXX), XXXX XXXX   (XXXX), A BANKRUPTCY (ref # XXXX/COURT: Us bkpt ct ca la),I HAVE NEVER FILED FOR BANKRUPTCY NOT SURE HOW THIS INFORMATION BECAME ATTACHED TO MY FILE BUT IT IS WRONG. THOSE OTHER ITEMS LISTED ARE ON MY REPORT AS A RESULT OF ID THEFT SO I AM ASSUMING THIS BANKRUPTCY IS A PART OF ALL THAT.
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

I have the authentic images of 2 withdrawals from my XXXX checking account on XX/XX/2008. The first is for {$200.00} and then shortly after for {$7000.00}. My name is not even correct and the signature is not close to my own. I have a claim number and Wells Fargo conducted an investigation but then said that it had occurred too long ago. They knew the date before they opened the investigation so that reason does not even make any sense. They will not tell me any findings. I believe this was an inside job by the bank. Both images have XXXX, PA on them. I bank in XXXX XXXX MD. I have NEVER done two withdrawals on the same day. Again, the name is NOT my name and the signature is very obviously not mine. 

I provided the bank with the images for both withdrawals. However if necessary I can provide those again.
Consumer complaint received 2022-06-20
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. (MO)

I am trying to make sure the bankruptcy information is completed deleted off all my credit reporting agency accounts. They have been XXXX and I need them to be deleted, as well as all other paid off accounts on my credit report.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANCO POPULAR DE PUERTO RICO (NY)

Auto loan with Banco Popular Auto payments are set up automatically this institution repeatedly under reports payments made which are debited on different days of the month last reported payment as reflected on XXXX Credit bureau was for XX/XX/2021 a dispute was opened case number XXXX the bank reported a balance of {$27000.00} on XX/XX/2021 they now updated the amount to reflect an incorrect balance of {$25000.00} a difference of {$2100.00} as of XX/XX/2021 there still exists an under reporting payments of {$640.00} are debited each month XXXX, XXXX, XXXX, XXXX, and XXXX are a total of 5 months missing these months total {$3200.00} not {$2100.00} - {$1000.00} dollars are still under reported this is the second case & complaint filed with this bank they are untrustworthy and a problem to deal with if this isnt corrected the Automatic Payments will be STOPPED! Immediately