davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello! 

Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX XXXX my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship. 

I ask that XXXX correct the erroneous late payments ( 12 total ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These months should appear as paid on time per my approved deferment from XX/XX/XXXX to XX/XX/XXXX. Please be honest, and provide the credit bureaus with accurate information when they contact you, and remove the 11 incorrect late payments from my credit file. Attached to this letter I have included : -The attached screenshots from XXXX  -The letter from XXXX  -And the dispute letters from the three credit bureaus Please let me know if you need any additional information from me to assist in remedying this situation. Thank you!
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (GA)

The credit reporting company Equifax will not allow me to place a temporary lift on my credit report freeze. 
The company 's website says it can not process the request ( " We are currently unable to service your request. Please try again later. " ). 
I have tried multiple times. 
The live person customer service phone line says all operators are busy then disconnects the phone call. I have tried this avenue multiple times.
Consumer complaint received 2020-10-19
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: TRANSWORLD SYSTEMS INC (TX)

I lived at XXXX XXXX  and was forced to open utility services prior to my move in. When I moved out in XXXX of XXXX, the apartments allowed new tenant to move in without utilities being set up or verified, and the new tenant charged their electricity services to my account until XX/XX/XXXX when I realized I was being charged {$500.00} per month for their usage. The apartments never had the new tenant pay for the amount due from them, or verify with XXXX  that I moved out. I did Disconnect services when I moved out because I had to change my move out date once. There is now a {$420.00} collection reported to my credit report, even after I verified I didnt live there. Ive never been reimbursed for the charges made in the first place, and now XXXX  is even attempting to collect a debt I was never responsible for and this was verified via phone call with XXXX.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. I need to see all paperwork associated with this account
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Talbot, Adams, & Moore, Inc. (TX)

Tablott adams and moore collection agency is reporting an account I have in collections twice on my credit report. I contacted them trying to have XXXX of the accounts removed, considering it is the same account. The representative proceeded to tell me the only way they would remove XXXX is if I paid {$120.00}, even though the balance on credit report is {$95.00}, and that they could not do anything without payment. contact phone number I called was XXXX.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NC)

On XX/XX/2017 I received a letter from equifax stating that an initial fraud alert was placed on my report per my request. I have never contacted equifax and requested a fraud alert put on my account. They also said that they are forwarding my fraud request over to XXXX and XXXX.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (IL)

I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX AND THE CREDITOR IS US BANK AND THE AMOUNT OWED IS {$370.00} I NEVER OWED US BANK THIS MONEY BECASUE I REPORTED AS FRAUDULENTLY. ACCOUNT # XXXX. THIS IS AN OLD ACCOUNT. 
US BANK NEVER PLACED BACK MY {$42.00} THAT WAS CHARGED TO ME AFTER I SENT THEM A LETTER AND RECEIPT INFORMING THEM FROM THE PERSON OR PERSON WHO USED THE MY CARD. 
I REPORTED THE {$42.00} AS FRUAD. THEY REVERSE IT BACK TO ME. 
ALSO I REPORTED A CHARGE OF {$20.00} and {$23.00} as fraudulently. 
THE LAST XXXX WAS USED ON CARD NUMBER ENDING IN XXXX. 
THEY HAVE NEGLECTED TO REIMBURSE ME MY MONEY.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

The debt collection company is reporting negatively to the XXXX credit bureaus regarding a debt that was settled with the original creditor. I have submitted enclosed copies of proof of payment and sent both by fax and mail that the debt was no longer collectible and requested the account be removed from all XXXX credit bureaus.
Consumer complaint received 2016-11-21
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (WY)

First off, the money is not lost or stolen. It was damaged and I possess what is left - about 75 % - enough to read the amount, who it should have been paid to, my address, most of my signature, the routing and numbers on the bottom, and where I purchased it from. 

The money order I purchased to pay my rent was returned to me by the US Postal Service with an apology for damaging my mail. I took my purchase receipt, the money order receipt ( bottom portion ) plus what was left of the money order and the USPS enveloped back to the place where I purchased it but they were unable to replace it. I called the Western Union customer service number and spoke to XXXX who proceeded to inform me that I needed to fill out the back of the money order receipt, include {$15.00} payable to them in a personal check and then wait 60 days. Why? I do n't want a refund. I want them to take the damaged money order I paid cash for and replace it. I do n't want a stop payment. I do n't have 60 days to wait and my landlord wo n't wait. Today, I have accrued {$80.00} in late fees. To say I 'm on a budget would be an understatement on a grand scale. 

XXXX put me on hold while he went and found his supervisor. Then when he 'found ' his supervisor and transferred the call, well I waited on hold for 30 minutes before hanging up. 

Bottom line here, Western Union was paid for a service with cash. They are now collecting interest by withholding my funds and want another {$15.00}. Not acceptable by any means.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around the dates ofXXXX and XXXX I noticed some charges on my credit card statement from places I did not even go. Especially the area XXXX XXXX. I requested to open a dispute and the dispute was denied because I didnt submit information and then I asked for more time to submit the information, I faxed the information over which included a signed statement saying I didnt authorize the charges, and a letter from identity theft website reporting someone stealing my credit card. After sending the fax I got another letter telling me my dispute was denied again based on the fact that I used my card at those places before. Which is not true because I specifically have never gone to XXXX XXXXso its frustrating. I tried to contact the disputed team but I never get a hold of them.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Transaction issue — 
Company: FIRST NATIONAL BANK OF OMAHA (WY)

XXXX XXXX refunded {$490.00} to my credit card & First Bank of Omaha claims they never got it. Or wo n't tell me they got it wo n't let me see my account. I am disputing this. there practices are not ethical.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Have sent a copy of the police report and they have not removed from credit reports. A XXXX account was taken out fraudulently and we have provided proof to this effect. with the attached police report. I want it removed and a letter sent showing it has been removed
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (AZ)

I received a collection notice from RMS stating I owe $XXXX from XXXX however when I submitted a complaint to the XXXX and I was advised in writting I should disregard the bill that was issued, and in fact I was to receive a refund. Instead of the refund, I receieved a collection notice. I am attaching both the collection notice and the letter XXXX sent to the XXXX.
Consumer complaint received 2018-03-17
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. (WA)

I have disputed many claims with Transunion. I have an identical twin sister. Our first names are very similar. Our middle names are different as well as our last names. Our XXXX is XXXX digit off. My credit report has her stuff on it as well as my stuff is on her credit report. My credit was better than hers, but Transunion keeps putting her stuff on my report dropping my score drastically. Every time I dispute the result comes back you are this person when I am not. How many times do I have to correct them only for them to tell me oh thats you when it is not. Transunion sent me mail to my home address with my first name on it with my twin sisters middle name on it. They have made us into XXXX person and mixed our credit history together. Please help because this is hurting my credit. 
Thank you
Consumer complaint received 2015-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accounts Receivable Consultants Inc. (TX)

XXXX XXXX ( from Accounts Receivable Consultants ) contacted me this morning asking for information on how to get in touch with my husband 's brother. When I asked what it was in reference to, he told me that it was a " personal matter '' and that he wanted to " extend an olive branch to my brother in law ''. The number he used to contact me is my cell phone and is on the do not call list. I explained that to him and he said that he would remove my name from his call list. So, why is there a call list for a personal matter? 

What is bothersome is that a ) he did not represent himself truthfully as a debt collector and b ) I have not authorized anyone to use my number as a reference for credit and have never cosigned a loan of any sort so I am not sure where he found my unlisted number. I feel his tactics were fraudulent at best. 

The number he called me from was XXXX. The call back number he gave me was XXXX. XXXX numbers are connected to Accounts Receivable Consultants located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The company website is www.accountsreceivableconsultants.com.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (UT)

THIS IS AN EXTENSION OF CFPB COMPLAINT  XXXX   American Express is   working on getting the money  XXXX  from my bank. I have authorized release of the funds. on  XXXX  -17 the y deposited the funds in my bank and I authorized release the day I found that they had done this. After several calls the finally understood the money was theirs. They say the do n't know how to get it back. I have told them and they have done nothing.  XXXX  is the person working on the previous complaint mentioned above. He called  XXXX  -17 a nd said he understood the problem and had reached out to banking to recover the money. He said he was told it was easy and it would be done soon.  XXXX  -17 AMERICAN EXPRESS C LOSED MY ACCOUNT after talking with  XXXX . They show the money that they ca n't seem to recover as money I owe them and have sent reports to the credit reporting services stating I am over my {$10000.00} credit limit because they have not ( as a bank ) tried to get the money from my account and are holding me responsible for them not doing their jobs. I have called them and explained the process to recover the money and they want me to write a check on their money and show ownership of the money. My bank has reported the deposit of amex money in my account to the IRS as required. I ca n't get them to take it back and it looks like it is my money and they have closed my credit account because they will not do their job.   This is not part of the original complaint and can not be addressed without another complaint
Consumer complaint received 2016-04-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

Home equity loan with Wells Fargo was paid for agreed amount and 2015 XXXX was issued. Wells Fargo continue to report full amount of Home Equity as outstanding and did not report the settlement and payment on this old debt.
Consumer complaint received 2022-09-05
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 sent out a letter around XX/XX/XXXX to Experian, XXXX XXXX and XXXX here is my tracking numbers # XXXX, # XXXX, # XXXX, however it's been more than thirty days and the credit bureaus failed to send my investigation back verifying the accuracy of these accounts and from who we're they getting there information from as verifiable proof that these accounts are mind. Also my credit file was breached twice with XXXX two in both of their major breaches in XXXX  and again XXXX and I have yet to hear from them regarding financial or credit remedy to their breach of my information and the possibility my personal information is on the dark web as life lock has suggested. 
According to the law 5 U.S. Code-s 1681i- procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is shown to accurate provide the direct information from the original creditor as well as what company/agency this information is coming from. They also must record the current status of the disputed information, or delete the items from the file ASAP in accordance with paragraph ( 5 ), before the end of the thirty day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (CA)

Amerihome Mortgage XXXX XXXX services my loan. They purchase my loan from the loan originator with an impound account for insurance and taxes in place. My homeowners insurance expired XXXX/XXXX/17 and rather than contacting the insurance company to obtain a bill, they sent me a letter indicating that they are going to force insurance on me unless I sent them proof of insurance. Additionally, they indicated that going forward, every year I must submit the bill to them and proof of insurance. 

When they purchased my loan, they did not reach out to the insurance company to correct the loss payee clause to reflect Amerihome Mortgage, so any updated insurance info is going to the original mortgage company. They have the funds in my impound account, but rather than contact the insurance company on file and pay the bill, they are putting the burden of paying the bill on myself. They are putting the burden of forced insurance on the homeowner rather than properly servicing the loan.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result.
Consumer complaint received 2015-10-13
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CountryPlace Acceptance Corporation (OR)

In XXXX 2015, I called Countryplace Morgage to inquire about a home loan. I explained all my financials and property information. I then formally applied for the loan after, XXXX ( loan officer ) told me that I DID qualify. I was formally rejected on XX/XX/2015. 
XXXX suggested to me to apply again with a coborrower this time, so I applied again with my Father in XXXX 2015. As per their request we updated and sent in ALL our information once a month, if not more. 
Every month I faxed her mine and my Father 's bank statements, tax records, & etc as per her request. Each page I faxed costed me XXXX. I have spent XXXX of dollars faxing and communicating with her. Well, after talking with my loan officer again today ( XX/XX/2015 ), she informed me that I DID NOT qualify for a loan because : 1 ) My Father owned a neighboring property within XXXX miles. 2 ) Because I was married with a person with bad credit and 3 ) and I have insufficient income. 
I am left stunned and soon-to-be-homeless because After ALL this time, with winter coming, she dropped me like a brick and left me with a sale and NO LOAN. I was only trying to borrow XXXX for a double-wide on XXXX acres. I want my XXXX months back, my dignity and the money back that they wasted of mine ... ... 
Thank you.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent out a letter around XX/XX/XXXX to XXXX, Trans Union and XXXX here is my tracking numbers # XXXX, # XXXX, # XXXX, however it's been more than thirty days and the credit bureaus failed to send my investigation back verifying the accuracy of these accounts and from who we're they getting there information from as verifiable proof that these accounts are mind. Also my credit file was breached twice with XXXX two in both of their major breaches in XXXX  and again XXXX and I have yet to hear from them regarding financial or credit remedy to their breach of my information and the possibility my personal information is on the dark web as life lock has suggested. 
According to the law 5 U.S. Code-s 1681i- procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is shown to accurate provide the direct information from the original creditor as well as what company/agency this information is coming from. They also must record the current status of the disputed information, or delete the items from the file ASAP in accordance with paragraph ( 5 ), before the end of the thirty day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-02-11
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)

I am sending this letter to investigate this inquiries this are either fraudulent, illegal, or made without my authorization. 




XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX