davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

To whom it may concern : I have a collection account on my file from a collection agency, IQ DATA INTERNATIONAL, the accounts is as follows ( IQ DATA INTERNATIONAL account # : XXXX ). Please be advised that I am disputing this collection due to, IQ DATA INTERNATIONAL & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, does not currently have a valid license in Louisiana to collect on debts. The information attached is not yielding and results for an active license with for this company according to, Louisiana Secretary of State ( XXXX XXXX XXXX ). I am requesting the the matter be investigated and delete these accounts from my credit file immediately or provide me with physical proof that IQ DATA INTERNATIONAL is licensed to collect debts in Louisiana. Your immediate response will be greatly appreciated.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CA)

I HAVE BEEN TRYING TO DISPUTE WITHTHE COLLECTION AGENCY " XXXX XXXX XXXX '' & " TRANSWORLD '' TO GET FRAUDULENT ACCOUNTS DELETED FROM MY CREDIT. THEY HAVE FAILED TO RESPOND AND FIX THE ISSUE. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT AND POLICE REPORT. XXXX XXXX XXXX HOLDS 3 COLLECTION ACCOUNTS AS FAR AS I SEE ON MY CREDIT. TRANSWORLD WITH ONE ACCOUNT ON MY CREDIT. ALL MUST BE DELETED ASAP.
Consumer complaint received 2021-04-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (SC)

there is a high balance showing inaccurate on my credit report for a loan with SANTANDER CONSUMER USA. this company never validated that i have a loan. this account is fraudulent and they never sent me a contract with my signature attached to the the loan they say i have with them. this is messing up my credit and i need to have this removed from all 3 credit reports. its also showing inaccurate / different balances on my credit report. i have called several times to have this corrected and no action has been applied. 

see attachment below date : XXXX last 4 of my ssn : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (KY)

I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My XXXX mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XXXX of XXXX. That account was taken out in XXXX of XXXX. Starting in XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with XXXX XXXX and XXXX where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. XXXX has been no help in resolving the issue. I have called dozens of times and each time they say they will request a payoff letter from XXXX. No one has ever updated me on the issue. No one has helped me get this resolved. I paid to have this company help and it was made worse by their lack of follow through with the creditors that they deal with.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I was notified by email ( see attached ) of an overage in my Escrow account and that a check had been mailed to my " address on file. '' I called Caliber Home Loans within XXXX hours of receiving this notification to verify my address at which time I learned they had the incorrect address. The representative said the refund check could be voided and a new check could be sent to the correct address. I was told " this usually takes up to 30 days but most times it does not take that long. '' Nearly 30 days have passed and I have not received the refund check, so I called XXXX again today. Upon calling today I was told that the check had been voided but they " didn't complete the second stop correctly. '' I then asked if the refund could be wire transferred or the refund check could be sent via overnight or XXXX day mail. I was told that could not be done. I then spoke to a supervisor ( XXXX, ID # XXXX ) who said she would " escalate '' a new check being cut and sent. However, she could not guarantee when the check would be sent. Also, I spent 30 minutes on the phone with Caliber trying to get this rectified, meaning I forfeited my entire lunch break to try and resolve something that was created by Caliber.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I am having Ally checking account since XXXX. I had used XXXX, XXXX XXXX and XXXX to transfer the money out of Ally bank account. On XXXX XX/XX/XXXX, I initiated {$5000.00} via XXXX. XXXX is instant money transfer from my ally checking account to my XXXX XXXX XXXX XXXXXXXX XXXX Texas ) Checking account. Chatted with Ally but I was told that it might take around 3-4 business days for this money to be transferred. 
When I initiate transfer via XXXX from XXXX XXXX XXXX XXXX XXXX Texas ) Checking account to Ally bank account-it 's done within a day. 
I have no idea why XXXX will take 3-4 business days when initiated from Ally bank account to external bank account. In the past, it will take few minutes for XXXX transfer from ally bank to external bank account or other person ( having account outside of Ally bank ). Ally bank is just getting worse day by day.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Our mortgage is with Mr. Cooper/ AKA Nationstar. We paid our mortgage on the XXXX like we do every month. This morning we woke up to 5 unauthorized debits to our bank account. The amounts were immediately credited back and this apparently happened to hundreds of their customers. 
This is extremely concerning that this company initiated debits into customers ' accounts without notifying us that it happened in advance. 
This is illegal and this mortgage servicer shouldn't exist.
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

I have sent several disputes to each on of the credit bureaus :XX/XX/XXXX, XX/XX/XXXX & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Conduent Incorporated (TN)

my name is XXXX XXXX XXXX i have been getting unemployment in tn since may- XXXX and ive reported it multipal times and havent been able to contact anyone bc the ppl are putting apps on my phone so they can controll who i call ... they have my ssn- birthdate - and my way 2 go card number i reported it got new one they been watching me got that card number thy transfering my money before i get to atm
Consumer complaint received 2020-05-03
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: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY.  YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortage was sold by XXXX to XXXX/Loancare last year. I received a notice from my homeowner 's insurance company in XXXX stating that my premium had not been paid. I contacted XXXX XXXXLoancare customer service department to ensure they had my insurance company 's information. I was assured at that time that it would be paid promptly. I then received a notice in XXXX stating that my homeowner 's insurance had been cancelled due to lack of payment. I then tried to contact XXXX XXXX by phone several times and have never been connected to a live person, but instead am sent through the endless, frustrating automated phone system which doesn't offer an opportunity to leave a message. I have subsequently sent three emails to the customer service department and have never received a response. As a result, I have had to pay the {$960.00} homeowner 's insurance premium out of my pocket which has created a terrible financial hardship for me. I have checked my escrow balance online and the money is there, they just won't pay! I am at my wits end and have never, ever been subjected to such a frustrating, unprofessional experience in my life. What are my options for getting my money back from this terrible excuse for a mortage company?
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CB1, Inc. (UT)

CB1 Collections is reporting an account on my credit file that I do not owe. I knew nothing about this debt until I recently checked my credit report and noticed this debt. This debt should have never gone to collections and I don't know why it's reporting but it needs to be removed off my credit.
Consumer complaint received 2022-11-18
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (SC)

XX/XX/XXXX XXXX XXXX advised that XXXX XXXX was willing to resolve my account in full for 75 % of the total balance due in the amount of {$630.00} as to which was paid on XX/XX/XXXX. i received confirmation from XXXX XXXX that the balance was paid in full as of XX/XX/XXXX and documented on my credit as being paid in full and removed as of XX/XX/XXXX. But, XX/XX/XXXX I received a email collections notice for the balance differences between the settlement amount of {$630.00} and the original balance amount of {$840.00}. The difference was XXXX was sent to another agency for collection called The CBE Group , Inc. XXXX XXXX XXXX
Consumer complaint received 2020-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations listed:


inquires XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2023-07-26
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX 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 2020-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our Bank of America HELC was paid off on XX/XX/XXXX in the amount of {$92000.00}. This included an overpayment of {$470.00}. 
The bank recorded a Full Reconveyance with our county recorder on XX/XX/XXXX. 
I contacted the bank by phone on XX/XX/XXXX and after waiting on hold for 30minutes gave up. 
I made an appointment with the bank and talked in person on XX/XX/XXXX and was told they could not help me, I had to call. I called the same day and after 48 minutes on hold spoke to a customer service rep who said a refund check has gone to an escrow account to benefit the borrower ( us ) on XX/XX/XXXX. 
To date XX/XX/XXXX, we have not received a refund of the overpayment of the loan The loan was paid off on XX/XX/XXXX. Over one month.
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

Paid a fee I didn't receive the grant money.from this phone number XXXX XXXX XXXX.to this name.XXXX XXXXSpokane city Washington.XXXX.I sent XXXX  dollars money gram to this address.ticket number.XXXX.what can I do to get my money back or have them indicted.my name XXXX XXXX XXXX XXXX XXXX.the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

Beginning in XX/XX/XXXX, I sent a letter to Primary Residential Mortgage , Inc. about the elimination of my PMI. In turn, they sent to me a packet with the necessary forms that needed to be completed and submitted. XX/XX/XXXX, I contacted PRMI regarding the status, they explain that although I sent the forms via their email customer service account, they did not receive them. I resubmitted the forms immediately. XX/XX/XXXX, they said that it was turned over to the proper department, but that I would need to pay {$230.00} to complete the valuation, etc. which I did over the phone. XX/XX/XXXX while checking on the status, I was told that to hold while the agent investigated the situation, then was told that the case was closed by a representative accidentally. She explained that although they had record of my payment, I would need to resubmit a form validating the money. AFter several minutes of discussion, they explained that would now not be necessary. It has been almost three weeks and the situation is to suspended. The request to eliminate the PMI is being intentionally held by PRMI. 

Additionally, I have requested refinance information since XXXX and they have not responded to my requests.
Consumer complaint received 2023-01-31
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

XXXX XXXX and XXXX XXXX XXXX asked me for me social security number to try and file me on their taxes. Now I see this on my credit. I dont know what the company is or what debt is owed or why? I think they stole my identity.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CA)

XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, we had a pipe in our master bathroom break. It flooded our master bath, our bedroom, the entry way, dining room and bar area. We called XXXX as our XXXX XXXX XXXX representative suggested. They came out and cleaned up the mess. They billed us for {$3200.00}. XXXX XXXX cut a check payable to XXXX and Selene Finance ( our mortgage company ). Since then, we have complied with all the requests of document ( which I will attach ) Selene Finance has asked for. They continually, lost, or misplaced docs and we had to resend them. XXXX also had to submit documents multiple times. After sending the docs they requested, they always then tell us that they need something else to release the funds to XXXX. Selene Finance refused the lien release that XXXX sent, and insisted on having their form instead. Each time we submitted additional documents, they had to go to a review panel, taking over a week to see if they would accept them. They even sent our an inspector to verify that all the mitigation work was complete. Finally, they admitted that they had everything they needed and we were to have XXXX send in the check. They did, but Selene Finance called me saying they were returning the check to me because it was not endorsed by XXXX. I told them that they should endorse the check and return it to XXXX since they are the ones that are owed the money. They refused saying it is not their policy to do that. After calling many times, they now say that they are rolling the mitigation into the repair and they will not release funds until 25 % of the work is complete. They state that mitigation is only % 15 of the work. We have not even started rebuilding. And we have a separate check for the rebuild. They are not reasonable. XXXX provided a service for us over 6 months ago. My insurance company paid for the services and our mortgage company is holding us hostage. They are not working in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-23
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. (UT)

My ongoing efforts to address these concerns have not led to a resolution. Your firm 's response to my credit report dispute deems my request for verification as " frivolous '' or " irrelevant. '' It's important to clarify that I don't view this matter lightly. Should my initial request for verifying the items go unacknowledged, I am prepared to file a complaint with the Federal Trade Commission. I respectfully request validation of the alleged item, specifically the contract, note, or any document with my signature. Without such validation, I insist on the prompt removal of these items from the report.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Good afternoon, USAA is unwilling or unable process an ACH transaction so that I can send money from my USAA bank account to my XXXX XXXX XXXX account - a routine transaction ( XXXX XXXX ACH transactions each quarter in the US ) that most banks do at little or no cost. Alternatively, USAA offered to charge me {$30.00} for a wire transfer or to contact XXXX XXXX ( who presumably isn't a charity and would charge me high fees ). 

I spoke with numerous representatives at USAA of increasing seniority and all told me the same story ( above ). 

Surely, I am not a unique USAA customer and many others are being unnecessarily directed to complete wire transfers or other expensive transactions that benefit USAA 's revenues. 

Thank you for your help XXXX XXXX