davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX  Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Remove the frauds Alerts And inquiries from my credit profile. 


I never asked to have a fraud alert placed on my credit profile. I only asked That the following unauthorized inquiries be removed from my credit profile!!!! 

REMOVAL ALL FRAUD ALERTS FROM MY PROFILE!!!!!! 
IT IS HURTING MY CREDIT I CAN NOT USE MY CREDIT CARDS!!!!!! 


remove the following inquiries from my credit profile Hard Inquiries XXXX XXXX bod XXXX ss # XXXX
Consumer complaint received 2020-08-19
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. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX, XXXX CARD, XXXX XXXX, 11 XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX AUTO FIN, XXXX XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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 2020-10-12
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)

XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On TransUnion is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On XXXX # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. XXXX  # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.
Consumer complaint received 2018-09-22
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. (MN)

I am a victim of identity theft. XXXX XXXX XXXX listed on my Equifax, XXXX and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to this matter.
Consumer complaint received 2021-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

On XX/XX/2020 my information on my report disappeared. When I would call they would not give me any information. I faxed my information to Equifax and the guy asked me " how did I find out? '' They have yet to respond nor have they corrected the issue. I am afraid that if not addressed it can happen again. Now I live in fear because someone has use of my social security number. I notified as many people as I could including our local district attorney general office. I used XXXX XXXX because I was a victim of Equifax 's breach and that was how I caught it. Please help! The XXXX charge was from a hospital. XXXX can verify this because my XXXX worker at that time paid the bill due to myself being covered at that time. One was from XXXX XXXX XXXX and one was from XXXX XXXX which I paid. I paid off XXXX XXXX XXXX. I also paid off XXXX XXXX. All have vanished.
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

I was contacted by Credit card debt attorney Hayt, Hayt and Landau about a credit card debt from XXXX  XXXX XXXX. I have written to them twice and asked for proof that they are legally responsible to collect by providing me with valid assignment from original creditor and affadavit or testimony from original creditor attesting that the bill of sale is true and accurate. To date I have received not a single written response from them. They filed a lawsuit in my county against me but I have yet to be served. I know this because I was contacted through a advertisement by a attorney that provided me the information and offered to represent me in filing bankruptcy. I asked how he knew that I was being sued when I did not know. He said that he was a bankruptcy attorney and that he checks public records. The lawsuit was filed in XX/XX/2018. My letters were sent in XX/XX/2018. 
I offered to make a settlement If they could provide me the proof that they are legally responsible to collect. Still I heard nothing back from them. I am XXXX and living solely on social security payments. I have no savings. What are my options when they will not respond to me. Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i called transunion on XX/XX/2020 to get inquires dropped off my credit report i mailed documentation 60 days ago they said they haven't received it asked them what is next option they want me to send information again
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

Goldman Sacks, who is administering the Apple Credit Card, took {$480.00} out of my XXXX XXXX checking account on XX/XX/2020 without my authorization. I immediately called them. Customer Service could not explain how this happened and agreed it was a mistake. 

As of today XX/XX/2020, the money has not been returned to my account. I have now called them three times asking for a supervisor on the last call. She could not explain what happened but admitted the account was current with a monthly payment of {$49.00}, not {$480.00}. 

In addition the phone line was very poor and the English Language ability of the customer service personnel was very poor. I suspect that I was speaking with people who do not speak English as their primary language, they told me they were in Texas. 

On the third call I was left on hold for over 15 minutes.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NC)

I refinanced my mortgage XX/XX/XXXX. On XX/XX/XXXX, a scheduled autopayment was drafted from my account to Dovenmuehle, the mortgage company for the old mortgage that had just been paid off, in the amount of {$1300.00}. I immediately called Dovenmuehle to get the money refunded and was told it would take 7 to 10 business days to process. The check never arrived. I called back after 10 days and was told it would take 7 to 10 business day to mail after the processing time. After that time passed, I called back and was told they need to reissue the check but could not do it until a month had passed. I called back after the month deadline and was told they would reissue the check but I needed to wait 7 to 10 business days for processing. I called several times during processing to make sure it was still being processed and was told it was. I waited for the check, which never arrived. I called back and was told there was some mistake on their end as to why the check did not process. I went through this cycle again. And again. This cycle continues until today. I have dates of calls, names of who I talked to, and what was told to me. I just want the money back that is due me, but Dovenmuehle will not send it back and continues to make excuses as to why they can not get a simple refund check to me for this overpayment. They acknowledge there was an overpayment but will not send me the money. In the process of my calls I explain that I have received the escrow refund, I am looking for the overpayment refund. I tell them the amount and the date it was drafted out of my account. All of that is verified on my calls to them. But I continue to get excuses that the people did not understand what it was that I wanted refunded. It has been four months that Dovenmuehle has held my money, money that is not theirs. My recent communication with them was over two weeks ago where they took my phone number and email and were going to contact me within 3 to 5 days. That time period has come and gone, and I have not heard from them. And no check has arrived.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

I have a few different reference numbers from my requests. XXXX I was supposed to be hearing back from a regional manager XXXX with reference number XXXX. It has been a longer time and I haven't heard back. I called US Bank numerous times tonight. Multiple times before they even authenticated my account they said they could not help. 

There are parking lot lights out at the XXXX location. I have XXXX and it is hard to get around the at night to complete my banking. 

I called in tonight once and was told I was in the wrong department. I was transferred to another building and after the agent authenticated the agent disconnected the call. I called back and was told I would get a supervisor which went to voicemail. I called again and was again transferred to a supervisor by voicemail. The next time I called the representative said she could not help. SO I have no other choice but to go through the CFPB.
Consumer complaint received 2018-09-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Secured Resolutions, LLC (NY)

Yesterday XX/XX/18 I was utterly humiliated. XXXX at Secured Resolution ( XXXX ) called by office. 
Due to the nature of my employment I am a XXXX  and answered by phone call on speaker phone where I was XXXX an employee on how to handle XXXX XXXX. 
XXXX asked for me by name. I intentionally didnt not confirm by name but instead I asked who was calling. At this point I kept the phone on speaker phone thinking this call might have been a contractor calling that needed to be transferred to another department. 
XXXX then proceeded to tell me that I have an open bill and with XXXX XXXX. Now my entire office knows I am in debt and since the XXXX XXXX is a very popular XXXX XXXX by entire office knows I was pursuing XXXX XXXX. This is something deeply personal to me and that I did not want shared. It was so embarrassing. 
I quickly asked XXXX to call me on personal phone ( which should have been attempted first ). I confirmed my personal telephone number then XXXX continued to the mini Miranda. I had to hand up the phone on XXXX because I was at work doing by job. The Mini Miranda is supposed to be said before disclosing information. 
TO be honest I probably have a lawsuit on my hand : 1. I did not confirm who I am before Secured Resolution disclosed I have a debt 2. My personal number was not attempted before my work line 3. Personal information was divulged before giving the mini Miranda 4. Even after I told XXXX that he will have to call me on personal number he still persisted to continue disclosing 5. And if I had to guess XXXX did not remove my work number 6. Now Im in a very uncomfortable situation in my place of work due to the nature of this debt being disclosed.

What I would like to see : 1. My work telephone number removed 2. The employee need to be removed from his position or put through a training program 3. I should receive an apology letter 4. As an apology I believe Secured Resolution should take of these debt
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I had XXXX XXXX services for a short period around XXXX.. When I ordered the services I inquired if it would be a hard or soft credit check. The agent stated soft. I went forward with the order. Few days pass and XXXX XXXX stated there was a hard credit check. I called in to dispute multiple times. Multiple agents said this would be taken care of and most of those calls were an hour at minimum. They put in a form. Advised to wait 90 days. I did, and called to follow up. Agent states it didnt process for an unknown reason ... waited another 90 days. Denied but stated the credit check was valid but 2 minutes ago you agreed and said soft inquires are always issue do out.. so I go and escalate this via chat with a supervisor. He agreed and stated it wasnt normal for this to happen and to go and disputed this with credit department. I went forward with it. They stated that I need to call att for support and get the OK from them. After going back and fourth I put in a word with the attorney general. She was no help whatsoever. Couldnt explain why any of this happened, why supervisors stated such things. All I want is this credit check to be removed. Everyone is making a big fuss over something att has falsely eductated me. If I do get support, I want to speak with someone else higher or equally as XXXX XXXX.
Consumer complaint received 2020-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

My mortgage was recently transferred to a new servicer, Carrington Mortgage Services. I was planning to make online payments like I had been doing for years with my prior servicer, XXXX, but Carrington charges a {$5.00} convenience fee to make an online payment. Fine, then Ill mail it XXXX. My complaint isnt about that, its about them not sending me a statement. I have been paying my mortgage payment as soon as I get my statement, which is typically several weeks before it is due. But the past few months, even though they have gotten my payment well before the due date, Im not getting the next statement and payment coupon until later and later into the next month. Pretty soon Im not going to get it until the day it is due! This is XXXX all around. They should offer free online payments, and they should be required to process payments as soon as received, and then immediately issue the next statement. They are basically delaying as much as possible, counting on the borrower to get the statement late in the month, maybe set it aside, forget about it for a time, and then before you know it, its late. Terrible business practice. I hate this mortgage company.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

My wife and I purchased a home ( XXXX XXXX XXXX, XXXX, NY XXXX ) in all cash purchase that closed on XXXX XX/XX/2022. Subsequently we have sought to obtain financing on the property but this has been complicated due to the failure of the sellers ' mortgage servicer ( Chase Bank ) to file a satisfaction of mortgage with the city. Efforts to contact the lienholder XXXX XXXX XXXX, successor to XXXX XXXX Bank ) and Chase have been unsuccessful. Chase will not discuss the matter with me because we are not the persons named on the mortgage note, which is in the name of the sellers of our property. We have copies of the cheque issued to Chase as part of the closing from our title company and other documentation but it is seemingly impossible to get this XXXX lifted from our property.
Consumer complaint received 2023-01-10
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. (IN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to XXXX XXXX XXXX, Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer report containing any of the following items of info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (OH)

I have collections on my credit report from CBE group through XXXX. The amount is for {$370.00}. This is a charge for equipment that was turned in back in XXXX! I contacted XXXX when I saw this on my credit report. The customer service rep agreed that the equipment was already returned to them. They called as a follow up to the situation and verified everything was returned to them. Two different customer service reps agreed that the equipment was returned. I really dont understand how this collections account is still on my report. This was XXXX mistake!
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion file # date issued has showing on my credit report XXXX XXXX XXXX   XXXX Account # XXXX showing on page 5 of 13 and should not be on my credit report as stated by Item will be removed XX/XX/18
Consumer complaint received 2018-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (LA)

Where I live is a very small town where everyone know everyone 's business. I am fraudulently being charged money for child support. And my privacy is very compromised. I was making payments on this loan faithfully. The loan was close to being paid off. I would pay months in advance to assure payments and then some. The fist loan was for the amount of XXXX, then the second loan was for XXXX. They combined the remainder from the first loan and the second loan with another monthly bill amount. I continued to make payments the same. Until I got into a legal situation that refrained me from making payments. I contacted them about the situation. Then I filed my taxes as soon as I filed my taxes. The taxes were taken for child support. Fraudulent child support keep in mind. But since I am having problems with settling that matter. I felt some sense of relief knowing that some of the child support payments were being reduced. Well right after that. I received a notice on the door from the loan company sending me to court suing me for over 3000 dollars. As if I had never made any payments to them at all. I feel that I do not owe them that much money. And as I researched the company. I saw that several other people had several complaints similar. I feel very harassed from this company because it seemed ironic that they would do something like that to me. Right after attempting to make a payment towards the child support. I felt it to be insult to injury. Especially the fact that I consistently made payments to them. How so they could charge me so much more than what the loan actually was along with collecting so many payments from me. I feel as if I was scammed and being manipulated to make payments that I do not owe. The name of this loan company is XXXX XXXX in XXXX Louisiana. At first they were acting accordingly then all of the sudden they became greedy.