davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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)

I RECENTLY RECEIVED NUMEROUS PHONE CALLS FROM COLLECTIONS AGENCIES ABOUT ACCOUNTS I HAVE NO IDEA ABOUT. I EXPLAINED TO THE INDIVIDUALS I SPOKE THAT THESE ACCOUNTS DID NOT BELONG TO ME AS I HAVE NEVER RECEIVED OR SEEKED ANY FORM OF SERVICES FROM THE COMPANIES THEY'RE TALKING ABOUT. I WAS ADVISED TO FILE AN IDENTITY THEFT REPORT WITH MY POLICE DEPARTMENT. I DOWNLOADED A COPY OF MY CREDIT REPORT FROM XXXX AND FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I WAS ADVISED TO ALSO FILE AN FTC REPORT AND TO CONTACT THE CREDIT BUREAUS AND INFORM THEM THAT I AM A VICTIM OF IDENTITY THEFT. I AM VERY CAREFUL WITH MY INFORMATION AND I AM VERY SHOCKED SOMEONE COULD DO THIS TO ME. I HAVE NO IDEA WHO USED MY PERSONAL INFORMATION AND I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND I AM TRYING TO RESTORE MY IDENTITY AND PREVENT THIS FROM EVER HAPPENING AGAIN. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX XX/XX/XXXX APPROVED XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX   XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX  XXXX XX/XX/XXXX XXXX. SYSTEM, XXXX / XXXX XXXX XXXX OKLAHOMA XXXX XXXX XX/XX/XXXX UNKNOWN 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 XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX # AXXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (CA)

ECMC has been reporting to credit bureaus that I've been paying them since XXXX. Not only do I not have any sort of contract with ECMC, but I have not been paying ECMC since XXXX. 

On many occassions they have been asked for evidence, but they continually violate the laws, rules and regulations that require them to provide evidence that I payed them, or that I ever had a contract with them in any shape, form, or fashion. 

They are clearly operating in dishonesty, and erroneous illegal practices.
Consumer complaint received 2020-07-14
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. (OH)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance Recovery Group (IN)

They called my son on XX/XX/XXXX and I reached a person and stated that this was my son 's phone and not connected to the person they were attempting to contact. The lady on the phone assured me that they would remove my son 's phone number from their list. 

They have subsequently called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice today XX/XX/XXXX. They are getting increasingly nasty in their comments and I do not believe my son needs to hear this and to hear their threats.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/20, I paid and settled my XXXX XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX XXXX XXXX continues to verify a balance is still owed. XXXX XXXX XXXX will not fix the issue either.
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

I am attempting to closeout a Chapter XXXX case but am unable to do so due to fees Ditech claims I owe totaling more than {$5000.00} in arears payment, however Ditech has not submitted these claims to me or my attorney for review and/or payment. My attorney 's office and I have attempted to obtain information and get Ditech to submit claims relating to this issue since XX/XX/2015. We have made several telephone calls to Ditech. Ditech representatives seem to be clueless as to the request or say they will give us a call back, but as of this writing I nor my attorney 's office have received a return phone call or claim for payment from Ditech. Ditech 's own attorney has tried several times to obtain this information but has informed my attorney 's office that she has been unsuccessful as well. I understand that this is normal behavior and practices for Ditech. I am very concerned that once my case is closed, and fees are later submitted for payment, Ditech may possibly pursue foreclosure procedures if I am unable to pay the full amount. Me and my attorney 's office have serious concerns that this could potentially happen.
Consumer complaint received 2020-10-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Second FORMAL COMPLAINT AGAINST WELLS FARGO MORTGAGE CO. 
To : Wells Fargo Mortgage Mortgage payments misappropriation and scheduling XX/XX/XXXX XXXX : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX. 
Up to XX/XX/XXXX Wells Fargo was withdrawing my auto payment on an average of 15 days late. Wells Fargo has willfully designed a system with the intent to defraud its customers by taking the payment 14 to 16 days later in order to collect more interests on the mortgage and the life of such mortgage. This pattern of deception and fraud must stop. Consequently, Wells Fargo must adjust, all illegal interests collected to the principal retroactively and compounded to the last XXXX In my case, I always have automatic mortgage payment set to be withdrawn on the due date from my checking account. However, Wells Fargo was collecting the funds 14 to 16 days later. And applied these funds on the day collected. Hence, I was paying 15 days of extra interest every month. Thereby, the principal payment was much less than what it should have been. Hence, I have been paying much more every month for the life of such loan. This is fraud. This is systematic and willful fraudulent activities, and it has been done over the wire, electronically. 
Prior and up to XX/XX/XXXX, Well Fargo had a systematic illegal scheme by collecting the automatic payment late every month up to XX/XX/XXXX. Suddenly, on XX/XX/XXXX the payment was withdrawn properly! However, the scheme continued on a different format, Wells Faro started applying the payment forward to 2 months in the future. Hence, Wells Fargo still willfully set a scheme to collect more interests on the mortgage. Wells Fargo has been illegally and willfully and systematically defrauding me. Wells Fargo has willfully violated the fiduciary financial agreement and relationship. 
I am requesting that a full audit of all my automatic payments prior to XX/XX/XXXX be done as soon as possible. These payments must be retroactively applied to my account as per my agreement with Wells Fargo that all payment be withdrawn from my bank by the due date, and such payment must be applied -credited to the account on that day, principal and interest. In this case on the first of each month Furthermore, Wells Fargo must adjust all illegal interests to the principal retroactively and compounded to the last XXXX. Moreover, Wells Fargo must be held accountable for all these willful and systemic illegal schemes to defraud its mortgage customers. 
If you have any question, please feel free to contact me. 
Sincerely, XXXX XXXX - Account # XXXX XXXX - Cell : XXXX
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I made a reclamation cause {$130.00} Wells Fargo ' Bank and they answer to me : " The purchases was made for you or someone who had your permission '' It is ridiculous cause I am victim identity theft from 2017. Who can think being victim identity theft I can to give or provide my card pin to other person? I need my money A.S.A.P.
Consumer complaint received 2020-07-14
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)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Title365 Holding Co. (MD)

I have reached out numerous times to address issues with a refinance on my current home. I had closed on my home on XX/XX/2021, and had a payoff for my supposed previous mortgage on XX/XX/2021. I have contact Title 365 via the mortgage broker numerous times without resolution. I will now incur additional interest costs on my loan since they have not paid off my current loan.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (NY)

I am currently trying to refinance under the XXXX program. You need to be current on all mortgages in the last 12 months in order to qualify, which I am. Ditech Mortgage has incorrectly reported to the credit agencies that I am at least 90 days past due on my mortgage which is absolutely not accurate, even according to their own records which they have sent to me. I have been following up with them for well over a month to get them to correct this and notify the creditors that the report was an error and we have paid as agreed, but today XXXX/XXXX/2016 they have still not corrected the situation and this is adversely affecting my credit score and my ability to refinance. I have called several times and emailed and this remains an issue. I 'm asking for help to get this rectified quickly so it stops impeding what I need to do as they do n't seem to care or have a sense of urgency in correcting it.
Consumer complaint received 2021-02-26
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. (TX)

Hello, I notified TransUnion about credit inquiries that I do not recognize or authorized on XX/XX/XXXX. I logged into the portal and they never opened up a dispute or even acknowledged that they were looking into the fraud. 

I do not recognize and I never authorized the following inquiries. I do not even have an account with them. I need these removed off my credit report immediately as they are not mine and I have never authorized them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I recently saw on my credit report that I was 120 days late as of XX/XX/2020! I'm not sure how this could have happened as I pay my card off every month and was not informed of these " late '' payments.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my  credit report.
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

On XX/XX/2016 and XX/XX/2016 my account shows that it was 30 days past due two different Time. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.I have never been late on this account.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2020-04-09
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. (WI)

Ive sent identity theft affidavit to all 3 bureaus XXXX  XXXX  Experian and dispute letters and police reports stating account is not mines. XXXX  and XXXX  has deleted but Experian ignoring.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A. (NC)

In XXXX of XXXX  my house was under foreclosure so to stop the foreclosure I applied for bankruptcy because previously my bank had offered a modification but the only thing they modified was the years added on to my account they never modified a payment or interest they just added 20 years on to the account and started over again I didn't need years added on to my account I need to keep my home and possibly split up the back payments and add them to it or push it to the end of the loan I already owe too many years on it and they also added another {$4000.00} for attorney fees
Consumer complaint received 2021-05-22
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

i was suppose to receive a credit on my account for this returned item for a company my bank and the company agreed to the credit and then they took the money right back out my account i have spoken with many reps gave several documents and they keep telling me to go to my bank i have and they will not return my funds and have my account in a negative. i have bank with them for 15 years and never had this issue.