davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party, I am filing this complaint on behalf of myself as it is my legal right to do so. I have some fraudulent addresses on my credit report along with some unrecognized collections from companies I have never done any type of business with. I have moved from XXXX OHIO years ago. 

MY ADDRESS IS : XXXX XXXX XXXX XXXX OH, XXXX Please Delete the following Addresses that do not belong to me : 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 CT XXXX, XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
These are the account that I have no records of ever doing any business with these following companies : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I have file a Police Report as well with the XXXX Police XXXX.
Consumer complaint received 2022-08-28
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One account was deleted from my credit report due to inaccurate reporting on behalf of XXXX. On XX/XX/22, XXXX deleted the above mentioned account. The inaccurate information was placed back onto my credit report. I have been requesting an re-investigation on this account, and I have not heard from XXXX. 

According to the Fair Credit Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts that you post on a credit report. I demanded to see verifiable proof. 

Under federal law, XXXX had 30 days to complete the reinvestigation. I am respectfully requesting a deletion of this account with Capital One.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (GA)

I requested proper debt validation from this company based on sections 609 and 601 of the fcra they can not prove any debts this is improper based on USC 1611 therefore I'm requesting this unauthorized account be removed as soon as immediately I've done no business with this company please remove
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I spoke with Synchrony on XX/XX/XXXX and requested a settlement. They agreed to settle for {$550.00}. It was agreed that I would give 3 payments ( {$180.00}, {$180.00} and {$180.00} ). These payments would be automatically taken out on XX/XX/XXXX ( Confirmation XXXX ), XX/XX/XXXX ( Confirmation XXXX ), and XX/XX/XXXX ( XXXX ). respectively. I was advised by Synchrony that once everything was cleared and verified, I would then receive a final settlement letter. Late XXXX of XXXX, I received the final settlement letter from Synchrony dated XX/XX/XXXX. The letter stated that everything had been verified and account was now settled. It also stated that the credit bureaus would be updated. My account was taken care of and it sat closed with no activity from XXXX XXXX of XXXX. In XXXX of XXXX, it started showing charge off again. I disputed this through XXXX and submitted my settlement letter. They advised that Synchrony was not agreeing with their own settlement letter. I began received calls from XXXX collections. I spoke with them and provided my letter to them through email. I then received an email back saying they were seizing collection activities due to the settlement letter, and would refer the file back to Synchrony. In XX/XX/XXXX, I received letters from Synchrony notifying me that I needed to provide proof of payments. I mailed them a copy of the settlement letter ( Certified ). I spoke with them on XX/XX/XXXX and they advised that the Settlement letter they sent me, was not enough proof. I also spoke with XXXX on XX/XX/XXXX and advised them of settlement, and recent activity on my credit. They opened a new dispute with the settlement letter, and referred me here.
Consumer complaint received 2022-12-01
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. (NY)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$8.00}
Consumer complaint received 2022-01-26
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: DISCOVER BANK (NY)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( DISCOVER BANK XXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )
Consumer complaint received 2020-02-11
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: BOK FINANCIAL CORP (TN)

Colorado Bank State & Trust was our mortgage broker. It is reporting as BNK Oklahoma. When we had to pcs we found tenants right away for the first year. The second year we were struggling to find a tenant. I called into Colorado Bank State & Trust to defer the payment for XXXX and XX/XX/2017. Once we got tenants in I called back and paid XXXX and XXXX in XX/XX/2017. The first amount was for {$2300.00} on XX/XX/2017 and the second amount was {$1500.00} on XX/XX/2017. They reported that I was late making the payment for XXXX and XX/XX/2017. I have disputed the claim that the payments were late through the company several times over the years.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

I am a permanent resident in USA residing at XXXX since XXXX. 
I used Western Union Money for transferring money to my brother residing in XXXX once in XX/XX/XXXX from my US bank XXXX. 

In XXXX and XX/XX/XXXX, there were 4 fraudulent transactions were made to withdraw money from my Bank. 
This was not initiated by me nor neither my brother received the money .Someone hacked my Western Union account and changed the Payout information and initiated below the transactions. 

XX/XX/XXXX {$2000.00} - Western Union Capture XXXX WEB ID XX/XX/XXXX {$800.00} - Western Union Capture XXXX WEB ID XX/XX/XXXX {$1500.00} - Western Union Capture XXXX WEB ID XXXX XXXX {$1700.00} - Western Union Capture XXXX WEB ID This was noticed on XXXX XXXX by me and immediately reported to Western Union and XXXX bank. Further to that, I also filed a police complaint in US Western Union disputes : XXXX, XXXX XXXXXXXX XXXX claim : XXXX XXXX police complaint : XXXX For the first two transactions made in XXXX, I did receive notification in my email regarding the transactions, which I overlooked as I did not initiate those. 
For the last two transactions made in XX/XX/XXXX, I did not get any notifications and mean time the hackers changed my email id my Western Union account. 

The payout had happened to a XXXXXXXX XXXX  ( XXXX XXXX XXXX ), commonly used in XXXX. The recipient information in those transactions are under my brothers name but the payout information was changed to XXXX XXXX. 
XXXXPI ID is also unique and that is not by brothers and payout location is XXXX XXXX and my brother lives in XXXX which is XXXXXXXX XXXX away. 

My brothers bank details XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX The receiver name and address is same as my brothers for fraudulent transactions and only payout information was changed by hackers Instead of my brothers account ending at XXXX, they changed to a XXXX Account ID XXXXXXXX XXXX XXXXXXXX Upon numerous calls neither Western Union and XXXX bank is not sharing any information which proving these transactions were fraudulent. Only if I prove XXXX bank will be able to reimburse the lost money.
Consumer complaint received 2019-10-05
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. (NY)

Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from XXXX data breach in 2017 where my information was compromised.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AL)

I purchased my home in XXXX of XXXX. I did not qualify for the homestead exemption deadline and the house property taxes were approximately {$5000.00}. On or about XX/XX/XXXX, I contacted my mortgage servicer providing the new tax amount for XXXX and requesting that they recalculate my escrow. The new taxes for XXXX ( as provided by proof from the county courthouse and sent to the mortgage servicer ) would be {$2400.00}. Shortly thereafter on or about the XXXX of XXXX, the mortgage servicer sent me a check for approximately {$2800.00} and improperly stated my XXXX taxes to be {$2400.00}. I contacted them, made them aware of the error they made, and I was instructed to destroy the check. On or about XX/XX/XXXX, I received a notice that my escrow balance was underfunded by {$1900.00}. On or about the XXXX of XXXX, I contacted the mortgage servicer and informed them that they sent me a check in error, that they needed to remit the proper tax amount to the taxing authority for XXXX, and that my escrow fund was not under funded. On or about the XXXX of XXXX, I was informed by the mortgage servicer that given my reduced property taxes that my monthly payment would be reduced to approximately {$1800.00} from {$2000.00} ( this is actually correct using the proper taxes for XXXX as I have provided them proof of same ). On or about the XXXX of XXXX, XXXX, I was informed by the mortgage servicer that my escrow account had been reanalyzed and that my new payment would be increased from {$1800.00} to {$2100.00}. The mortgage servicer was now using the incorrect XXXX property taxes of {$5000.00} not the reduced and corrected amount of {$2400.00} that was provided earlier by the me and supported by documentation from the county courthouse. In summary, my XXXX property taxes are approximately {$2400.00} and my total loan payment for XXXX with a properly analyzed escrow fund should be approximately {$1800.00}. I have spent endless hours on the phone, writing emails, and talking to representatives. This is plain and simple math. They should make the correct adjustment and move on. 

XXXX taxes were
Consumer complaint received 2020-02-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

We are having a major issue with Rushmore Loan Servicing. We were having having a Loan modification process through Rushmore London Secing Loss Mitigation Department. Oue Sole Point of Contact is Mr XXXX XXXX. On XX/XX/XXXX my husband XXXX XXXX XXXX received a call from Rushmore initiated by Mr. XXXX XXXX. XXXX XXXX started expressing his feelings how that XXXX people were being mistral ed by XXXX people. How XXXX were getting the end of the sticks. XXXX were being treated unfairly by XXXX cops. And he himself Was going through the same problem his loan house was being foreclosed on and so and so forth. When my husband told him that he was XXXX with a XXXX wife the conversation stop. This was the last conversation he had with Mr XXXX. Ever since our calls were not being answered we were ignored no matter how much we call no returned phone calls. We called Mr XXXX supervisor Ms XXXX XXXX no returned phone then Rushmore proceed to Foreclosed. My wife XXXX XXXX had to file for bankruptcy in order to stop the foreclosure. The process restarted and we felt that we were being played. No one at Rushmore wants to discuss any subject besides foreclosing. We finally got in touch with XXXX XXXX upper management for Rushmore and we explained that the investors wanted to charged off the mortgage since we have overpaid for the property before the market bubbled in XXXX. Our intentions is not to get a free bee we just want fairness now we are being foreclosed again on XXXX of this year. We need help and feel like we are being discrimated against because we are an interracial Couple. Please help us.
Consumer complaint received 2019-10-05
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. (NY)

Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from Equifax data breach in 2017 where my information was compromised.
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

I requested debt validation and they failed to send enough information. They are still reporting 2 accounts on my credit without properly verifying the debt. They simply sent a summary of accounts which fails to properly validate the accounts in question. LVNV Funding LLC have 2 accounts one with an amount of {$430.00} and another in the amount of {$800.00}. These account summaries are dates XX/XX/2019 and they have yet to remove these items without proper validation.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (LA)

On XX/XX/XXXX Mc Carthy Burgess & Wolff agency called my work. They insisted on know my full name even though I only answer the phone here. When I asked them if they were calling to speak to an attorney they told me they could not answer any questions until the gave my full name. When i explained I was just an employee and not even the receptionist and did not wish to give my name, the refused to give me any information. They again called at XXXX XXXX  on XX/XX/XXXX. This time I gave my name but they refused to tell me if they were calling to speak to an attorney until I spelled my name. I don't know why they're calling, and I do not wish to give my full name and other information if they're not calling to speak with me. I consider this a form of harassment and an attempt at identity theft.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ERC (CA)

This is not mine when I called ERC XXXX enhanced recovery ) they had a different name on the account an Ohio address for whoevers account it is. They had me e-mail in a copy of my DL and a brief explanation and said it w/be taken off my credit report. I did, it was n't. So I called back a few months later the lady said she saw all the info/conversations that had taken place and did n't know why it was n't off my credit report. She had me send in everything I had previously sent in again. Here it is another couple of months it 's still on my credit report. They have admitted it should not be on there so why have n't they removed it? In fact, they reported it this month to a different agency.
Consumer complaint received 2022-01-26
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. (NY)

The following ( XXXX, XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).
Consumer complaint received 2019-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EVERBANK, NATIONAL ASSOCIATION (MD)

This is in regard to a rollover request I initiated with TIAA Cref to my XXXX XXXX retirement account. I hold a total of four accounts with my former employer ( XXXX XXXX XXXX XXXX ) that is administered with TIAA. I initiated a rollover online with TIAA back in early XXXX. After waiting two weeks with no signs of account transfer or notification from the TIAA, I called and was informed that XXXX requires additional forms that needed to filled out, notarized by my spouse and sent to them. This was the first time of their lapse in communication. After having my husband notarize the apprpriate forms, I scanned and uploaded the documents to their online portal. The forms were exceedingly redundant and basically the same information filled out four times in total. To my disbelief and annoyance, only two of my accounts were transferred in early XXXX. Again no TIAA represntative reached out to me and I was only made aware when I called again that one checkbox on one of the duplicate forms was not filled out causing two of my accounts to not been rolled over. I again scanned the appropriate forms and uploaded them to their portal but again only 1 out of the 2 accounts still has been transferred as of XXXX.
Consumer complaint received 2022-10-07
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. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.