davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE (OH)

Beginning XX/XX/XXXX I received a letter from Ruoff Mortgage stating their records showed I had no insurance on my property. I called informing them that my insurance company changed 3 days after loan closed XX/XX/XXXX. Gave them the updated company name, phone number and policy number. Late the following month, XX/XX/XXXX, my insurance company contacted me stating Ruoff hadn't paid, from my escrow account, my insurance premium yet and that my policy would expire XX/XX/XXXX. I called Ruoff and they said they didn't have my insurance company, XXXX, on my account and therefore couldn't them. Again, like the previous month, I gave all of my insurance information to Ruoff so they could correct their record on my account and pay my insurance premium. A couple of weeks pass and my insurance company calls to say no payment has been received, and my policy would expire in a week. At that point, afraid my policy might expire before Ruoff would finally straighten their records out, I paid directly to XXXX to keep sure my policy wouldn't expire -- XXXX said they'd refund me once Ruoff finally pays them -- I made that payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX finally paid my insurance premium to XXXX out of my escrow -- happy day, right? No, although Ruoff paid my insurance to XXXX on XX/XX/XXXX, they then purchased a policy in the amount of {$1300.00} on XX/XX/XXXX. Why? Because they said I had no insurance. They've added an increase in my payment to " repay '' them for this {$1300.00} policy. I've called multiple times over the last 2 months trying to correct this, their mistake. My insurance company has emailed them all of my information 2 times over the last month, as have I twice, and faxed them the insurance policy 2 times as well. I even received an email back, once, from Ruoff acknowledging they received my insurance, but they're yet to refund the {$1300.00} and re-adjust my monthly payment accordingly. Over the last 4 weeks I've spoken with 3 Ruoff associates,  and 2 managers by the name of XXXX -- each time they say the don't have my XXXX insurance policy and act as if it's my first time calling about the situation. When I spoke with the Ruoff manager,  XXXX, last time I asked how could they not have my XXXX insurance on file, then how did they pay XXXX my premium on XX/XX/XXXX? And by paying XXXX on XX/XX/XXXX for my inurance why would they then pay {$1300.00} for that other policy 47 days later on XX/XX/XXXX? It makes absolute no sense? Now I'm XXXX XXXX from my job due to COVID-19 and although I can pay my house payment, the extra added amount to " pay back '' that {$1300.00}, which is their mistake, is very difficult. This needs corrected, it's wrong and it's their mistake that will not fix
Consumer complaint received 2021-10-14
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. (IL)

On XX/XX/2021 I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX Negative Accounts : 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 XXXXXXXX Transunion Negative Accounts : 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 2024-03-12
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (VA)

I ordered an electronic American Express Gift Card on XXXX XX/XX/XXXX for the amount of {$320.00}, paid a total of {$320.00}, order number XXXX. I received the email that's supposed to contain the card information ( number, expiration dates, etc ) within a few hours, but there was no card number in there. There was a link to View and Print this Card, but when I clicked on it, it only took me to the Check Balance page of the AMEX gift card website, where I was supposed to enter the card information, which I don't have. I've requested the eGiftCard email to be sent to me multiple times after, including to different email addresses, but the same thing happened every time. I called customer service on XXXX XX/XX/XXXX, and they were not helpful at all, kept giving me different ways to receive the same email that doesn't contain the card information I need. I then requested that they just give me the card info over the phone, but their procedure does not allow them to do that. After a long phone call, I requested a refund, but they refused to refund, telling me that I need to wait XXXX hours to try to request another email. I've been receiving the same email for the last several weeks, and they never included the info I need.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

I opened this account in late XX/XX/2020 with a promotion to receive {$400.00} bonus once I had {$4000.00} in direct deposits in the first 3 months. I completed this in XX/XX/2020. I was told I had to wait until 30 days after the transaction getting me to {$4000.00} was reached and the bonus would be deposited by then. Then I was told 120 days after account opening. It's late XXXX ( 120 days after opening ) and I haven't gotten anything. 

Additionally, my account can not transfer to another account. I have stopped in a local branch and called several times, they keep telling me I need to wait for something to be mailed to me like a PIN, but I haven't gotten that yet. My current pin lets me use the debit card but that's it. I'm not sure what that has to do with transferring money. I was able to transfer to a different checking account ( XXXX ), but not this other one ( XXXX XXXX ). I don't have time to call and wait on hold for long times any more.
Consumer complaint received 2021-10-14
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. (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX2021. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (WA)

I negotiated a settlement on an American First Finance account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains. 

American First Finance has removed this item from XXXX and XXXX but not XXXX XXXX. I filed a consumer finance protection bureau complaint with all three bureaus and two removed it. 

By not agreeing to remove this from XXXX XXXX, American First is continuing to collect on this debt. This is a violation of the Fair Credit Reporting Act AND the Fair Debt Collection Practices Act and punishable by punitive damages under the law.
Consumer complaint received 2020-04-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Our mortgage was transferred from XXXX to Mr. Cooper in XXXX. During that process I inadvertently made a payment to XXXX in XXXX. XXXX forwarded that payment to Mr. Cooper. Mr. Cooper misapplied that payment to principal and did not consider it a monthly payment. Therefore, they recorded that we were a month behind in our mortgage. We then received a letter to modify our mortgage. Beginning in late XXXX I have called multiple times to have the previous payment reapplied to our mortgage payment to no avail. Every time I call they tell me they will 'take care of it '. To date, it has not been reapplied. In addition, over specific objection the mortgage was placed on a modification. I am applying to refinance with another company and this has affected that application in a negative manner. I have made all payments up to date but our mortgage statement fails to correctly reflect that status.
Consumer complaint received 2022-07-20
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)

On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : -Professional Finance XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Additional unauthorized inquiries on XXXX XX/XX/XXXX : -Professional Finance XXXXXXXX XXXX XXXX
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NJ)

I signed up for this card in late XXXX. The offer was for {$500.00} bonus cashback after spending {$5000.00} in the first three months. I completed these requirements in XXXX. 
I was told to wait another month. Then I was told to wait 60 days after the 90 days were up. It's the end of XXXX, I've received nothing.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXXXXXX XXXX XXXX Amounts. {$6400.00}, {$340.00}, XXXX
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

I have a debit card account with NetSpend Pre-Paid Visa. My card was cloned and my PIN number was stolen. I discovered that my money was cleaned out in the evening that day when I attempted to purchase something and my card was declined. This happened on Sunday, XX/XX/2020. When I checked my account online to see what was wrong, I discovered that 4 unauthorized ATM transactions were made to clean out my entire account between XXXX to XXXX. The total amount stolen was {$820.00}. I was at work when this was happening. I filed a police report that same night. I was at work the entire day and have never even been to the city or county where the ATM transactions had taken place. The ATM transactions took place at a XXXX store in XXXX, CA. The security cameras at the store would prove it. The thief first made a XXXX inquiry on the ATM to see the balance on my account and then once they saw the amount, they made 4 ATM consecutive transactions in the space of 2 minutes ( from XXXX TO XXXX ), cleaning out my entire account! The total balance was {$820.00}! Furthermore, somehow the ATM allowed them to do multiple transactions, which is not normal, as ATMs put limits on the amount of transactions AND the amount of money that can be withdrawn. This serves as further proof of FRAUD. 

NetSpend Pre-Paid Visa is refusing to reimburse me the {$820.00} that was fraudulently stolen from my account, despite the fact that I alerted them less than 24 hours after I discovered that the unauthorized transactions were made. 

As a financial institution, their business practices render consumers finances unsafe in their possession. I have been left extremely inconvenienced, as the money stolen was from a direct deposit paycheck and I have outstanding bills to pay. 

They have the burden of proof and have failed to protect me as a consumer. I am not liable or responsible for these fraudulent transactions. A consumer 's finances are not safe in this financial institution.
Consumer complaint received 2020-04-30
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. (IN)

I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when XXXX updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX   they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time XXXX has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that transunion is screwing people by reporting false information. If this can not be resolved i will take legal action.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I filed for Chapter XXXX Bankruptcy in XX/XX/2018 and Equifax is not reporting an account properly even though I have disputed it now THREE times. The account name is XXXX XXXX XXXX XXXX XXXX credit card, and was included in my petition. The balance reported is {$1200.00} and the " current status '' is 'charge-off. '. 

My Equifax credit file is reporting XXXX XXXX XXXX XXXX XXXX as ( 1 ) Current Status : " delinquent, '' and " 30 days late, '' and ( 2 ) Description Remarks : " Charge Off. '' I have now disputed this account three times with Equifax, but XXXX XXXX XXXX XXXX XXXX keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362, and Equifax has refused to update this account. 

I am requesting that Equifax update my file for this account with the descriptor " Chapter XXXX Bankruptcy. '' Thank you.
Consumer complaint received 2020-08-29
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: Central Portfolio Control Inc. (NE)

I received a notification that a collection account was placed on my credit report by XXXX  on XX/XX/XXXX by a debt collector CENTRAL PORTFOLIO CONTROL. I was previously contacted by CENTRAL PORTFOLIO CONTROL in XX/XX/XXXX for a debt that did not belong to me. I contacted CENTRAL PORTFOLIO CONTROL personally at their call center and verified that they have the wrong person. They were unable to validate any account or provide any signature at my request. I sent them a cease and desist letter via certified mail with return receipt on XX/XX/XXXX. In response to my cease and desist letter, the debt collector placed a fraudulent and negative account on my credit bureaus report. Prior to this my credit score was over XXXX and I have no negative entries on my credit, nor do I owe any money to this debt collector. I have asked the Credit Bureau Agency to remove the fraudulent account and this has not been done.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

To whom it may concern : Enhanced Recovery Company is reporting an " alleged account '' with a balance of {$170.00}. 

This account was never validated and is in violation of the FDCPA and of my Constitutional Rights. Please delete asap. 


Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt.

Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCIES. 

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts.

As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE. 

Proof of ownership of the debt by the reporting creditor or collection agency. 
Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions. 

I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe. 


Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4.

I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation. 

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law. 

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.