davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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. (SC)

In XX/XX/2017, I opened a secured credit card with XXXX  for the amount of {$200.00}. Shortly after the account was closed. I do not understand why XXXX continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX Bank XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2018-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NH)

Notice of Error pursuant to 12 CFR 1024.35 ( a ). PennyMac Loan Services has failed to provide the following : 1. Short year statement under 12 CFR 1024.17 ( i ) ( 4 ) 2.  Disclosure Statements under 12 CFR 1024.32 ( a ) 3. Return of Credit under 12 CFR 1024.34 4. Failure to pay taxes by the due date, as required by 12 CFR 1024.34 ( a ),  which are now due 5. Notice of Sale of mortgage was not provided by XXXX
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I own a condominium with a mortgage from Wells Fargo. I have been uploading my insurance certificate repeatedly to their website at XXXX for several months, faxing the info to the number I was given, and have made two telephone calls to them. Yet I keep getting notices saying that they do not have my current insurance information. Now i just received notice that they have purchased insurance for me, despite my already having insurance. No matter what I do I ca n't seem to get this resolved, and if feels like they just want to charge me for insurance. It 's very frustrating because I 've wasted a lot of time trying to fix this. My insurance agent has confirmed that Wells Fargo has all of the property information and that my own coverage is in place. Wells Fargo is not easy to work with.
Consumer complaint received 2024-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank did not request the approval of the attorney invoices before Honorable Judge XXXX. 

The judge did not approve additional invoices for payment and dismissed the case with prejudice. 

After Honorable Judge XXXX Dismissed the Foreclosure case XX/XX/year>. Fifth Third Bank added a Foreclosure fee of {$1700.00}. 

I do not believe this fee is invalid and I should not have to pay it. 

Adding the fee pushes me back to my mortgage being past due. 

I do not have {$2800.00}. I have written a letter to the bank, and now the bank has collections calling my cellphone. 

I wrote a letter to the bank and no reply.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recieved notification from a collection company for a retail ( Walmart ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with Walmart. In XXXX of XXXX I enrolled in a debt relief program XXXX   XXXX  and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a Walmart account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd Walmart account that does not being too me, I've never paid to a second account, I have Walmart statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd Walmart account. I put a dispute in with XXXX  and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with Walmart since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY WALMART ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.
Consumer complaint received 2017-12-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX made no effort to correct their errors and continue to submit incorrect information to the credit bureaus. New Documentation attached Consumer unsatisfied No correction to consumer credit report as o

f XX/XX/2017. Capital One deceivingly removed their once reported cha
rge off and closed status as years past, and now reports that the account is active and 120 days past due amount {$120000.00} only which is false information. Capital One is repeatedly omitting the charge off status and is attempting to conceal and eradicate that a charge off ever existed. Therefore, I am requesting that CFPB enforce XXXX XXXX XXXX to report a charge off and closed status to all credit bureaus or to remove the inaccurate account. I am completely unsatisfied with the results of Capital One response dated XX/XX/2017. Capital One erroneous reporting caused me not to receive employment at the white house.They are reporting only to collect a debt with an amount that 's outrageously wrong that was previously charged off and past the statute of limitations.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

This debt was handled wrong by XXXX XXXX XXXX XXXX. They messed up billing my insurance company and I was the add on in my fathers work insurance policy. Regardless how they handled it, the California Statute on time frame of medical debt is 4 years with credit reporting. I have had this debt longer than that and would like it removed from my report.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

I had a debt with XXXX XXXX XXXXXXXX  on an overdrawn account. I have been in communication with the credit union and agreed with them to pay my account in full {$910.00}. I paid the full balance to the credit union in cash. I have a copy of my receipt and a copy of my paid in full letter showing the debt has been taken care of in full. The Collection Bureau of America is trying to collect more money out of me even though the issue was resolved with my credit union in full. They are refusing to remove the account off of my credit report which is currently detrimental during this pandemic. I can not receive the SBA loan with this on my report, hence why I made the arrangement to pay. Please help remove this. It isn't a credit card, or a loan it was an overdrawn account. Thank you for your time. I have attached my paid in full letter and my receipt of payment.
Consumer complaint received 2020-07-22
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'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common.

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.
Consumer complaint received 2020-08-31
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. (MO)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$250.00} XXXX   XXXX {$100.00} XXXX  XXXX {$26.00}
Consumer complaint received 2019-03-08
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. (NY)

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (CA)

On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the XXXX mobile banking app, as she had done many times before. I have a XXXX XXXX  account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a XXXX and they said not to worry and just to wait a few days. After a few days, we contact XXXX and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and XXXX trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that XXXX and many other banks use so we also contact them after giving up on XXXX and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a XXXX problem since it was done using their app and since we are both XXXX customers. XXXX refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and XXXX. Both banks STILL wo n't cooperate even with the police! I even called the XXXX  Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! XXXX is the one that facilitated this whole thing and they absolutely refuse to help us or even acknowledge the fact that we have an account with them. We have all our conversations with them saved for proof!
Consumer complaint received 2022-04-26
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. (TN)

I'VE TRY TO GET THIS RESOLVE, HOWEVER, IT NEVER GET FIX. PLEASE HELP ME OUT. IM THE ONLY PERSON WRITING THIS. SO I HAVE A MEDICAL BILL. Recently checked my credit reports and realized the agency and this debt collector is in Restriction on sharing of medical information. please see attached file.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (CA)

I had {$7000.00} transfer from my savings to my account then transferred to a personal account without my consent. My bank did a investigation on this dispute and determined no error occurred, case closed. XXXX they can do more with this investigation or at least refund the amount.
Consumer complaint received 2020-07-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seidberg Law Offices, P.C. (AZ)

This debt was originally settled with the original creditor in 2009. Seidberg law office tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX XXXX XXXX XXXX XXXX placed a stay of garnishment on the judgement after I filed a motion and Seidberg representatives did not appear in court. 

This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

These mortgage bankers at HSBC have been playing games with my approvals for months now, all while i could have closed with another service. They repeatedly ask for the same information i have already given them, and now it's been 3 weeks from " final approval '' and i have still not closed. they are hardly responsive and gave up as soon as i locked in my loan rate. All the while they know that i transferred in a significant some of money to their personal wealth management in order to access a lower rate. I was conned. I am losing time, money and energy dealing with them and believe they are doing something nefarious.
Consumer complaint received 2021-04-08
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. (CA)

XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.
Consumer complaint received 2021-11-01
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

FRAUDULENT ACCOUNTS XXXX ) XXXXXXXX XXXX AMOUNT $ XXXX XXXX XXXX ) XXXX  AMOUNT {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXXL XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/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 XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX aacordance with the fair credit rereporting act These have violated my rights 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written intructions
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX   XXXX XX/XX/2020 {$410000.00}
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Worth Finance Corporation (FL)

A request has been submitted requesting 60 days to settle my dispute. Worth Finance has also stated that I have called during the month of XXXX, I have been in contact with this company since XX/XX/XXXX. I do agree with the statement made that I was unhappy with option that was presented to me. Please note this company has reported this loan as a charge off and bad debt since XX/XX/XXXX. Knowing that the loan reach it 's limit of collection in the state of Taxes. WFC tried to re-instate a payment plan or increase the amount due, again on a CHARGED OFF, BAD DEBT as reported since XX/XX/XXXX. I made contact with them, they have not called back and should not be allowed to draw out or delay action of removing debt from my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX XXXX, XXXX **Affirm Inc.** XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Account XXXX XXXX $ XXXX Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft, and my personal information was used to open the above-referenced account with Affirm Inc . I did not authorize this account and therefore request that it be closed immediately. Additionally, I request that all charges on this account be absolved and that all information related to this fraudulent account be removed from my credit file. 

Enclosed are my Identity Theft Report and a copy of my credit report showing the fraudulent items associated with Affirm Inc . I have also enclosed the CFPBs Notice to Furnishers of Information, which outlines your obligations as an information furnisher under the Fair Credit Reporting Act ( FCRA ). Upon receiving my Identity Theft Report, you are required to cease reporting this information to any credit reporting agency ( CRA ) and take the appropriate corrective action.

Please investigate this matter, close the account, absolve me of all charges, and send written confirmation of the steps you have taken. I appreciate your prompt attention to this serious matter. 

Sincerely, **XXXX XXXX XXXX XXXX : ** - Identity Theft Report - Copy of Credit Report - CFPBs Notice to Furnishers of Information [ PDF ]