davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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. (FL)

I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CO)

I purchased an appliance from XXXX XXXX and bought an extended warranty on the product. I opened a charge account with XXXX XXXX with an implied agreement that the appliance would be in working order or be repaired under warranty. This appliance is not working and XXXX XXXX has refused to honor the warranty. They have failed to repair and/or replace this item. Now they are attempting to 'charge off ' an account but I feel I do not owe this balance because they are in direct violation of the extended warranty agreement. The warranty provides for repair or replacement of said appliance and was suppose to provide an additional layer of protection that my standard home owner 's policy did not offer. This is a direct violation Magnuson-Moss Warranty Act. Please remove the XXXX XXXX charge account tradeline from my report as this is a debt not owed.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, these non affiliated third parties has false pretenses and deprived me of my rights due to perform or exercise I was denied extension of credit for INACCURATE and FALSE PRETENSES of any person knowingly and willfully obtains information on a consumer from a consumer credit reporting agency such as EQUIFAX, XXXX, XXXX XXXX under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. If you can not show proof of my documentary evidence or wet ink signature of my lawful consent of any transaction that took place between the creditor and the debtor that means any false information is willfully and knowingly that this is INACCURATE and FRAUD and I DEMANDING that you DELETE all FRAUD from these accounts that reported on my consumer credit report on their will be consequences and penalties for the violations.WITHOUT PREJUDICE BEST REGARDS, XXXX XXXX
Consumer complaint received 2022-03-02
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: Resurgent Capital Services L.P. (CA)

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Consumer complaint received 2024-03-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SC)

The card was purchased by me today at XXXX  its XXXX XXXX. Its an American Express gift card with XXXX $ on it, I can view the balance online but its getting denied everywhere I try to use it. I purchased this card to pay a bill and Im unable, Ive called them 3 times which 2 of the times they told me there is nothing they can do and the first time the man hung up on me. I have no idea how to get my money back or access it.
Consumer complaint received 2022-03-02
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: Lending Club Corp (CA)

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Consumer complaint received 2017-04-12
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION (TX)

After providing notice of intent to refinance with another institution, BBVA Compass Bank provided notice of their intent to charge my escrow account to purchase their homeowners insurance. My homeowners policy premium was paid by BBVA Compass and the policy has never been out of force. Basically, they are trying to steal my escrow funds.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.
Consumer complaint received 2019-02-28
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. (FL)

I HAVE DISPUTED THIS ACCOUNT ( XXXX XXXX XXXX OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.
Consumer complaint received 2017-04-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AR)

Evidence is attached of Fraud by Wells Fargo and the Arkansas Tax Collector for XXXX County. Attached is one of thousands of examples resulting in $ Millions of dollars of Fraud to Wells Fargo customers in the State of Arkansas : 1 ) For example 2015 Tax Payment Receipt # XXXX is listed as a bulk lot payment of {$11000.00} for several parcels with Escrow holdings by Wells Fargo. However when you go into each tax record individually several of the Tax Parcels claimed to have been paid by Wells Fargo were actually paid by the Homeowners themselves or other Escrow Holding Companies. Not Wells Fargo. 
XXXX 2 ) This intentional mis-grouping of tax payment records results in an opportunity to steal in the tax collectors office and the opportunity to send money tagged as " over-payment '' back to Wells Fargo Executives. This is intentional deceit and intentional theft. 
3 ) With this fraud scheme Wells Fargo Executives overcharge the Escrow accounts of mortgage customers, then intentionally send over-payment to County Tax Collectors in Arkansas. Wells Fargo cleanly benefits when money is returned to them by the Arkansas Tax Collector as " over-payment/duplicate payments '' for accounts that have already been paid by other parties. 
4 ) The Arkansas Tax Collector keeps some of the " over-payment/duplicate payments '' in a holding fund for disbursement as they see fit. The Tax Collector and Bank Officials conspire in advance how much money will be overpaid and held each year. The Arkansas Tax Collector knows that Arkansas State only Audits the Summary Tax Records which show the Banks payments were legitimately accounted for : No one checks the individual tax record descriptions which show Wells Fargo was returned funds because that parcel tax record was already paid by another party. 
5. There are thousands of Examples of Fraud currently on the XXXX County Tax Assessors website especially in XXXX County. False Summary Tax Receipts List " WELLS FARGO REAL ESTATE TAX SERVICES '' as the Payee of Parcel Tax Records that were actually paid by the homeowner or another Escrow servicing company. The misapplication of tax dollars represents $ Millions of dollars of Fraud. 
6. Examples of Fraud are provided in this Compliant.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have requested from Rushmore Loan Management Services since XX/XX/XXXX to provide the county with information that my mortgage has been transferred to them. Have been trying to have this account paid off and transferred to local bank.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my account.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that TransUnion changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered
Consumer complaint received 2022-03-02
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. (NJ)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX  XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$370.00}
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

Back in XX/XX/XXXX i was sent a letter from a company called " LVNV Funding ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was XXXX XXXX ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with Transuion citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my Equifax report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from LVNV Funding, i also got a letter last week from a company called " Resurgent Capital Services '' who claim they manage the account with LVNV Funding. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company Resurgent advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.
Consumer complaint received 2022-03-02
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. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information 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 2019-02-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (VA)

I misplaced my XXXX XXXX card I continuously called XXXX XXXX for three days and got no answer. I even tried to send an email to the company  asking them to cancel my card and still no response. Finally I reached them on the third day, up until the third day my money was still on the card. At that time I had only XXXX left on the card that previously had XXXX on it. I was furious I called the police to get to the bottom of this and was given a police report number which I sent to the company along with the disputes of transactions on my cord. I later received a letter in the mail from XXXX XXXX saying no fraudulent activities had been done on this card. I couldn't believe it. What happen was my grandchildren ages XXXX and XXXX was playing XXXX on the telephone that I previously used to place an order on and the last 4 numbers to my card was still on the phone. The kids used those four number to log into the game and every time they hit the coin on the game it charged my debit card. Not knowing they was using my money on XXXX XXXX. I called XXXX and they was willing to word with me but XXXX XXXX refused to give me the information needed for XXXX to stop payment. This is a card that is used for my XXXX grandson and I would never authorize kids to use it to play games, that is just out of the question and I don't know anything about those games. I have custody of XXXX grandchildren and all monies received is for the car of the children. I can't find the police report number but I sent it with the report to XXXX XXXX. I can get it later from the police department and send it later.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my credit report on XXXX XXXX2017 XXXX is retaliating against me because of filed various Federal Retaliation and Discrimination complaints. XXXX credit score is at XXXX? Transunion XXXX and XXXX XXXX. XXXX, Transunion and XXXX suppose to delete all negatives and hard inquiries from my credit report, but they have not done anything.Why? Because of my file various Federal Filed complaints? I am XXXX and Retired and a Military Veteran. Why XXXX and Minorities XXXX and Military Veterans and Military Veterans gets Retaliated and Discriminated by Major credit reporting Agencies?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXXXX/XX/2023
Consumer complaint received 2023-01-27
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. (IL)

Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. On 01/03/2023 I filed a dispute to the Equifax Consumer Reporting Agency that the accounts DEPT OF EDXXXXXXXX ( Opened XX/XX/XXXX ) and DEPT OF EDXXXXXXXX ( Opened XX/XX/XXXX ) are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Equifax investigated the dispute , Equifax did not remove the outdated account, which has sustained the potential for DEPT OF ED/XXXX ( XXXX XX/XX/XXXX ) and DEPT OF ED/XXXX ( Opened XX/XX/XXXX XXXX to negatively impacting my credit score beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my credit score to get the best available terms on future loans.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (ID)

My loan was just sold to BSI financial services at the end of last year. I noticed in XXXX that my taxes have not been paid. I have contacted them four different times now to make sure that they get paid but it still hasn't been done. Every day that they don't get paid the penalty gets higher and I am afraid that they are gon na use my escrow dollars to pay the penalty as well which isn't right.
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Senex Services Corp. (GA)

XXXX XXXX is the original debtor, Senex services is the collection agency. I only visited this hospital once and I was insured at The time of the visit, so I do n't owe them {$110.00}.