davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Our mortgage servicer, Dovenmuehle Mortgage, has been escrowing our flood insurance, which is in the range of {$1000.00} per year. But the payment of the flood policy is included in our HOA monthly payment and our HOA pays the flood insurance annually. 

We had the same issue last year and I spent countless hours trying to resolve it with them. I was only successful after I filed a complaint with the CFPB. This year, I have to do the same thing. I can't believe that I have to spend hours each year to resolve such a simple issue. We are not even behind on our mortgage. Every payment is made on time. In fact, we are paid ahead. It's illogical that I have to keep having this fight every single year. I don't have time time to do this every year. I have a special needs child and a demanding career. It's simply unacceptable. 

At this point, the only acceptable resolution to this issue is to de-escrow the loan entirely. I can't have this battle with the servicer for the next 28 years. It's simply unacceptable. The HOA pays for the flood insurance. I am sick and tired of having to pay twice for this. I will simply not do it.
Consumer complaint received 2023-01-19
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. (WI)

I wrote letters to Transunion over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of XXXX : {$290.00} / XXXX XXXX XXXX XXXX XXXX. They have not replied to me or removed items from my credit report
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-01-19
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)

Reporting Agencies are reporting negative accounts that should be deleted, inaccurate information such as multiple addresses, charge off accounts not being removed, and still reporting delinquencies
Consumer complaint received 2020-10-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (AZ)

I am writing to lodge a formal complaint against Wakefield & Associates, a debt collection agency, for their failure to comply with federal and state laws concerning debt collection practices. Despite multiple requests, Wakefield & Associates has not provided me with the necessary documentation to validate the debt they claim I owe, including the original contract with the creditor and proof of their authorization to collect debt within my state. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive validation of the debt from the collection agency. This documentation should include a detailed statement of the amount owed, the name of the creditor to whom the debt is owed, and verification or a copy of any judgment ( if applicable ). The FDCPA requires that this information be provided within five days of the initial communication from the debt collector. 

Additionally, my request for Wakefield & Associates to furnish evidence of their license to operate as a debt collector in my state has also been ignored. Each state has specific requirements and licenses for debt collection agencies, and operating without such a license is a violation of state laws. 

Despite my efforts to resolve this matter directly with Wakefield & Associates, including multiple written requests for the aforementioned information, I have not received any response or documentation from them. This lack of compliance not only infringes on my rights under the FDCPA but also leaves me in a position where I can not verify the legitimacy of the alleged debt or the collection agency 's authority to collect it.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX privacy laws state confidential information such as transactions, history utilization and statements are excluded from XXXX XXXX XXXX Please delete cease and desist XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (NC)

In accordance with the fair credit report act XXXX  account XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681b section 604 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I NEVER GAVE PERMISSION TO REPORT ANYTHING TO MY CREDIT REPORT.

15 U.S.C. 1681 section 602 ( b ) respect for the consumers right to privacy.
Consumer complaint received 2024-05-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Texas Guaranteed (TX)

Am in good standing with student loans, i have filed with Students departments defferrement based on low income, it came when i tried to apply for morgage as first time buyer and discovered there was different student loans i wasnt aware of it. They have reported me to credit bureaus
Consumer complaint received 2020-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Hi. Experian is telling me they won't do an investigation even after I submitted disputes in writing and filed a complaint with your bureau. What do I have to do to get them to do their job? It's not fair that I am being treated this way. Why do they just get to decide if they want to do their job or not? I already sent them my social security card and my driver 's license when I mailed them disputes. Why are they ignoring me? Is that legal? Does your bureau do anything about that? I don't know what to do anymore. Should I hire a lawyer? Please tell Experian to do their job. If this doesn't get fixed, I can't get credit. I need my credit badly and Experian is preventing me from getting credit because they refuse to do an investigation on an account that is not mine.
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX   XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

I have contacted synchrony bank/Walmart serveral times and they tell me they do not have my information anymore because it was bought out by XXXX XXXX /Walmart credit card. I paid this amount and it was suppose to be deleted off my credit report. It still shows on my credit report and shows as paid with a zero balance and that the account was charged off and sold to another lender. Neither company will deleted this and update it and both state they can not find my information. This was paid off over two years ago.
Consumer complaint received 2019-10-31
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. (CA)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NM)

I had an inaccurate tax lien placed on my credit report. I have a letter from the lien holder stating that it was completely wrong and should never have been placed on my report. I sent the letter to the 3 credit reporters. 2 of them have removed it. Equifax will not remove it. I have sent it to them 5 different times. It is also past the 7 years that it should have just fallen off and still it is there. Any way you can help me with this??
Consumer complaint received 2019-10-31
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. (MI)

I pulled my Experian report.Under loans prequalified for. I chose XXXX XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX  and XXXX XXXX.
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

MY COUSIN GOT A VOICEMAIL FROM AN UNKNOWN NUMBER HE DIDN'T ANSWER. A GIRL LEFT A VOICEMAIL VERY THREATENING. SHE SAID ON THE VOICEMAIL, I WAS GOING TO GET SERVED SOME DOCUMENTS BETWEEN 3 AND 5 AND IF I DON'T ANSWER THE DOOR, THEY WILL GO TO MY JOB AND SERVED ME THERE. THAT THE MATTER IS LEGAL AND I NEED TO ACT NOW. I CALLED AND TALK TO A GIRL AT XXXX XXXX WHO MADE ME DO PAYMENT PLAN OR ELSE I WILL HAVE TO GO TO COURT AND SO ON. I CONTACTED FIFTH THIRD BANK TO ASK FOR DETAILS AND THEY REFUSED TO PROVIDE ME W/DETAILS AS I COULDN'T REMEMBER AN ADDRESS FROM 10 YEARS GO,. THEY REFUSED TO TALK TO ME WHEN I GAVE THEM MY SOCIAL SECURITY NUMBER. 
I FELT VERY THREATEN BY THE VOICEMAIL AND HOW THEY ARE HANDLING BUSINESS. I FEEL NERVOUS AND SCARED THAT IT COULD BE A SCAM OR FRAUD. 

SO XXXX XXXX IS SERVICING FOR FIFTH THIRD BANK. 
TO MY UNDERSTANDING, BUT EITHER OF THEM HAVEN'T LEGALLY SEND ME A LETTER THAT I HAVE A DEBT. 
THAT DEBT THEY CLAIM I OWE, IS NOT ON MY CREDIT OR ANYWHERE. I NEED HELP. THIS VOICEMAIL WAS LEFT ON A THIRD PARTY PHONE NUMBER AND THAT IS AGAINST THE FDCPA. ALL THIS IS AFFECTING ME MENTALLY. 
I PAID XXXX TO PREVENT ANY ISSUES. 


MY NAME IS : XXXX XXXX PHONE NUMBER XXXX LAST XXXX OF MY SOCIAL XXXX
Consumer complaint received 2019-10-31
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. (MI)

I pulled my XXXX report.Under loans prequalified for. I chose XXXX  XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southern Management Systems Inc. (FL)

I recently discovered on my credit report accounts that I did not recognize, so I contacted Southern Management Systems and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted XXXX and XXXX to let them know that I have asked Southern Management Systems to validate the debt as mine. Southern Management Systems received my validation request on XX/XX/2020, and XXXX and XX/XX/XXXX received my notice that a request to Southern Systems Management was sent on XX/XX/XXXX. I see that both my XX/XX/XXXX and XX/XX/XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that XXXX and XXXX enforce the FCRA and stopped any reporting of invalidated debts if Southern Management Systems failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-10-31
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX- XXXXXXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX PUBLIC RECORDS : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP (PA)

Went thru a remodication process with XXXX XXXX XXXX. Have been paying the agreed upon amount for years!! $ XXXX- which I was told was combined 1st and heloc. Initially in 2006 1st mtg was {$1200.00} and heloc was {$150.00} a month XXXX XXXX sold to key bank and none of the agreed paperwork is on record and they have started foreclosing. I 've called and mailed 6 letters asking and showing my issues. To no avail. Even attempted using a housing counselor. She ca n't get thru either. Now I 've been making the full payment and they are sending me {$400.00} back monthly for overpayment. But not halting the foreclosure. This is my home. My parents have now been served by sheriff too. Please help
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

Using the official https : XXXX, I have now TWO YEARS running, been able to download my credit report from XXXX  and XXXX, but Experian 's website is defective and repeatedly gives the un-helpful " A condition exists that prevents Experian from being able to accept your request at this time ... .blah ... blah '' and says contact them by US Mail instead . Not happening. 

Please force Experian to fix this defect for all US Consumers.  Thank you.
Consumer complaint received 2020-11-13
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. (PA)

For quite some time I've been disputing my credit reports with all 3 agencies. They are reporting information that is inaccurate and there are inconsistencies across all three credit bureaus. You will notice in the attached credit report dated XXXX it shows especially for XXXX & Equifax that an account named XXXX is reporting as a write off and a balance due. It is satisfied and paid as a settlement in full. I've attached a copy of the precipe from the XXXX County Court dated XXXX. Only XXXX XXXX has updated correctly and is showing it as paid. Furthermore all negative accounts are showing inconsistent balances, last payment received is inconsistent, and balances are fluctuating across all three credit bureaus. I've witnessed all 3 credit bureaus saying that they have verified these accounts and the plain and simple fact is they haven't and this has been an ongoing issue to my credit file over the past several years. There are consumers currently in bankruptcy that are reporting better fico scores than what I'm receiving from XXXX and Equifax it's frustrating and I don't have a public record! Please review the information I have attached. Please update or more importantly please delete the incorrect information as it meets the FCRA to delete. Attached you will find a letter from XXXX on XXXX but the same exact letter I received on XXXX stating they believe my dispute to be from a credit repair company and consider it to be frivolous. This has to stop. I sent them letters on my own to dispute and update/delete as required. This will be my last attempt prior to seeking outside counsel to review all of the inconsistencies and violations for the FCRA that has been violated in my name. I look forward to these companies doing the right thing. My social security number is being wrongly discriminated against due to the inaccurate information that is contained in these credit bureaus.
Consumer complaint received 2019-10-31
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Venmo froze my account for no reason. I was trying to initiate a routine transfer to a friend. I did not violate any laws or any terms of service. I am verified. I have {XXXX} in my account that is currently frozen and Venmo will not give me any information as to why the account was frozen or how to unfreeze.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (OH)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in XXXX XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also XXXX XXXX XXXX XXXX ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.