davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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. (GA)

XXXX XXXX, XXXX Original creditor : XXXX {$1700.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  {$430.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2020-10-31
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: EQUIFAX, INC. (TN)

I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no help.
Consumer complaint received 2020-10-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Four Directions Lending LLC (IN)

I had provided them with my personal information including my bank account information. As soon as I hit the submit button the website disappeared, I went to another tab and pulled the site back up, and tried to log into it. The login tab was nonfunctional, I attempted on two different computers. I called the number provided and I was refused access to the site and told that there was not an issue. I then told them I wanted my information deleted and that I wanted immediate confirmation. I was told it was sent but it would take a long time for the email to reach me since their emails too numerous. I have had to close out my bank account but I am still afraid that fraud will be committed since they have my social security number as well. everything that I was told on the phone was inaccurate as to the laws to protect consumers. I was previously a loan manager and how this company is handling my issue is alarming.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (HI)

I am entitled to Forbearance under the CARES act. The attorney, XXXX XXXX at XXXX XXXX  XXXX submitted for a 12 month delay in foreclosure procedures on XX/XX/2020 to Carrington Mortgage Services. 
I have a copy of the letter I signed for submittal. 
However, XXXX XXXX XXXX, the attorney representing Carrington Mortgage in Hawaii, filed a motion for foreclosure and it stated that I had not applied for forbearance to the court. 

Unfortunately, my former attorney withdrew from my case after more than 2 years just before the trial. In addition he had not followed through with letter we had submitted for Forbearance to Carrington Mortgage. 
I filed a motion to let the judge know that the pretrial statement regarding my application for Forbearance was false. 
The judge did not respond to my motion for continuance to obtain new representation. 
The judge did not respond to the letter of Forbearance I submitted as evidence. 
She ruled for plaintiff. 
Everyone involved ignored my rights and offered no explanation. 
I want XXXX XXXX XXXX, XXXX XXXX  XXXX, Carrington Mortgage Services, and the judge to follow the law, not just the wealthy attorneys.
Consumer complaint received 2022-08-12
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. (KS)

I have contacted XXXX, Equifax and XXXX multiple times since XX/XX/2022 to validate and remove inaccurate information on my credit report regarding a XXXX XXXX XXXX collection account number XXXX. I have sent multiple letters requesting deletion of this inaccurate information and XXXX, Equifax and XXXX have failed to respond or validate this debt in violation of FCRA. This inaccurate collections account is severely affecting my credit report and causing great financial harm. 

Please have this account deleted from my XXXX account.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 {$32.00}, {$600.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IN)

On XXXX XXXX, I received a third-party communication from an Experian partner regarding their Credit Check monitoring program. I decided to try their services utilizing their {$1.00} trial. 

On XXXX XXXX at approximately XXXX, I called and cancelled this {$1.00} trial as the service was constantly interrupted, freezing or forcing me to change my password due to some internal error. The agent assured me I would NOT be charged {$21.00} moving forward. 

Since then, I have been charged in XXXX, XXXX, XXXX, XXXX, and XXXX for a product I did not want. That 's {$21.00} x 5 ( {$100.00} ) that I have been fraudulently charged. 

As I transact quite frequently each day, it appears these charges slipped through the cracks. 

I called their XXXX today, XXXX XXXX at XXXX. The representative was rather rude, stating they only give back 1 month. I never authorized 5 months, so why does Experian get to keep my money? That 's consumer theft. 

This type of behavior is why CFPB needs to regulate companies like credit bureaus.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (KS)

I refinanced my loan in XXXX 2020. 
The first three house payments went through my bank with online banking, no hitch.

The next SIX payments, ( I'm sure soon be seven ) are RETURNED/Cancelled by LoanDepot. 
My bank has assured me it is something on their end that has changed. I received a letter dated XXXX that a new payment address as well as a new loan number was issued. Although my banks default with payment address reads that " they would know about a payment address change before I did, I dutifully called and doublechecked the payment was being sent to the XXXX XXXX, N.J. address. I have spent HOURS on the phone with customer serv. reps that can not help me. I have begged for a supervisor ( s ) to help. The first two times it happened I was assured that everything had been corrected and the problem had been rectified. Not only has it not been rectified, its getting worse. I am in some horrible customer service gerbil wheel that is a series of being put on hold for unreasonable amounts of time only to be transferred ( if it goes through ) for more holding. 
I have begged for supervisors. No one seems to be able to help. In the meantime I'm getting robot calls to call them immediately as my account is past due. All to do it over again. Its bordering on harassment as the customer service department serves as a collection agency. Please CAN YOU HELP ME. I've attached the banking records. 
I've been told I am not the only one that has had this problem from a couple of the customer reps. 
Wouldn't you think with all the recorded conversations and the company returning my checks someone would know what to do. Worse customer service EVER. They know of not one other division I might contact, or so they say.
Consumer complaint received 2020-10-31
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. (TN)

I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no help.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I paid bill in full to have a XXXX balance. As confirmed on the phone my balance was at XXXX. I then did not use card for several months to then find out that I had a bill due and it was all late charges. As I thought I had overlooked something I proceeded to pay the bill in full and got confirmation that my account was again at XXXX. I then recieved a bill two months later to see that they had charged interest after the fact and then since I did not pay the XXXX dollar interest they sent another late fee. I talked to comenity about this and they would only put my account to XXXX and assure me that there will be no more charges to my account. I asked for refunds of previous late charges that were charged to my account after I had paid in full, I then got sent to a super visor who heard my complaint and would not do anything to refund the previous wrongful charges after account was supposedly paid in full.
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & T/TSYS with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   US SM BUS ADMIN XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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 — Problem with personal statement of dispute
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

I refinanced my mortgage in XX/XX/2020 with PRMG. We set up auto-pay with our bank XXXX XXXX. We had 5 months of successful payments. Our XX/XX/2020 payment was issued promptly by XXXX but was not processed by PRMG. The money left our account & was returned after the XX/XX/2020 payment had been issued. When the XXXX payment was returned to our account we contacted PRMG, discovered that there zip code was incorrect ( fixed that issue ) & immediately direct re-sent them the payment & made our account current. PRMG ( or their loan servicer XXXX XXXX reported to the credit bureaus that we had a 30 day late payment. My XXXX credit score took a 120 point hit. 
I have spent hours with them on the phone & sent dozens of e-mails to both XXXX & PRMG trying to get resolution. I have promptly provided both companies every piece of documentation they requested from XXXX XXXX clearly showing the payments leaving the bank on time. 
At this point in time, despite promises & advocacy from PRMG my credit remains damaged. They claim that XXXX is the obstacle in repairing my credit. My problem with this situation is that PRMG/XXXX  happily processed our payments in several past months prior to XX/XX/2020 & never alerted us to any problems with our auto-pay. We in good faith engaged PRMG & set-up a payment program. Even after concrete documentation provided to the lender showing this to be true, their position has not changed. 
All I want is my credit fixed
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

This closed XXXX XXXX account ( last four XXXX ) shows 8 years and 3 months old on my credit reports.This XXXX XXXX closed account should be removed
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer report and noticed there were 3 unauthorized hard inquiries ; XXXX XXXX, XXXX, SXXXX XXXX XXXX that were on my report due to reported inaccuracies or someone applied for something in my name, these inquiries are affecting my credit negatively.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I go on line Bank of America, Direct deposit savings account.sign in, give my online ID and pass code.Sign in security step enter the asked for tex.Continue to sign in.Verify identity. Enter Authorization code.Authorization code never given.To the right I click I never received my authorization code.It gives me a number to call to get the authorization code ( XXXX XXXX XXXX XXXX .I now live in the XXXX  this call cost me {$30.00} the minute there is a connection and goes up from their.I get a machine not a live person.Put on hold for 20 min.Then it drops me off. I have called Bank of America and worked with a person Named XXXX that told me that the process of getting the authorization code needed to be reset and that she would do that and the problem would be solved.Was not.Second person was XXXX who transferred me to another person named XXXX we spent quite some time on both the computer and phone.Said that she would reset the authorization code and that should fix the problem but that it would take 24hr. to 48hrs before it would take affect.48 hrs later on the phone and computer with XXXX  problem still there.Can not access my on line account.This mostly took place on XX/XX/2020 around XXXX until XXXX.Problem has not been fixed.Bank of America has in affect locked me out of my savings account and denying me access to my funds.All I get from these people that have tried to help me is that they do not know what to now do. They advise me to keep calling and hope that I eventually get someone that can fix the problem.