davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not aware of this debt. I have no knowledg of this debt. I called and I was told that the date listed is incorrect. The original account is dated XX/XX/XXXX. That is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Not only is the debt false but the Date is incorrect.
Consumer complaint received 2021-01-26
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)

information that does not belongs to me was added to my credit report file, despite several unsuccessful attempts via telephone calls, trying to have the error fixed, removed from my credit file, it seems it was not going to be resolved. I have decided to try different revenues as such. please remove and block the listed negative report from my credit file as they don't belong to me, and should not be effecting me.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (MN)

My name is XXXX XXXX XXXX and this is in regards to a debt not owed which was already discharged on a bankruptcy. The financial institution is " Discover Bank '' which filed a judgement against me in the amount of {$2700.00}. This judgment was filed on XX/XX/XXXX Case No XX/XX/XXXX in the official records of XX/XX/XXXXCounty Minnesota.

Bank : Discover Bank Amount of {$2700.00} Date Filed : XX/XX/XXXX Bankruptcy Case No : XXXX XXXX XXXX, Minnesota. 

I reached out to Discover Bank several times this year. First, in XX/XX/XXXX and XX/XX/XXXX and they refused to help or even provide more information on the judgment. They explain their records can only go back 7 years and thus the only option I have is to pay the debt. However this debt, and every other Debt that my ex-wife and I had were all discharged on the bankruptcy that we filed on XXXX.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc. (WA)

I was called on XX/XX/21 from the phone number : XXXX which was ID 'd on my phone as " XXXX XXXX ''. The caller identified themselves as working for Audit & Adjustment Co Inc and she was calling from XXXX XXXX which she was not ) and identified a $ 600+ debt from a company that I'd never heard of. I indicated to her that she'd have to provide me written verification of this debt, at which point she started asking for my phone number and address - I assume that if the person called me and knew my name that they would already have this information. Since the identity of the caller could not be verified, and I'd never heard of the company in question I immediately believe this to be a scam for people to pay the debt over the phone using a credit card or other such form of payment.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TN)

I keep getting calls from SWC stating that XXXX says I owe them money. I haven't had XXXX-XXXX in years. My cell service is through XXXX by XXXX-XXXX and has been for the past several years. I told them not to contact me on the phone when they called that I don't owe that debt that I don't even have XXXX and haven't for a long time.
Consumer complaint received 2021-06-01
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. (CT)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage acquired my existing loan from XXXX XXXX. The acquisition took place effective XXXX. Freedom Mortgage failed to provide payment information or online access to newly acquired account until after the 15-day period stipulated in the notification provided by XXXX XXXX. Freedom Mortgage failed to respond to phone and email requests for payment instructions and started mailing out past-due notices, none of which were received until XXXX at which time online access was obtained and the account was verified as " Past Due ''. An immediate online payment was made as well as arrangements for auto-payment moving forward.

Freedom Mortgage failed to properly acquire my account, failed to properly make payment options available and failed to properly respond to requests for information. To date, I continue to receive untimely " Past Due '' notifications in the mail as Freedom Mortgage can not properly account for the mortgage payment made on XXXX.
Consumer complaint received 2020-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo reporting late payments past Due 30 days and balance incorrect. I reached out to the loan department several times this year regarding the impact the pandemic has cause my financial circumstances. I still managed to make payments. I made a partial payment XXXX they reported late on XXXX. My principal balance is {$120.00} to date they report a balance of {$640.00}.
Consumer complaint received 2022-04-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NV)

Midland Mortgage ( MM ) took over my loan XXXX XXXX from XXXX XXXX as I was coming out of forbearance relief. MM did not get me into thier system until o/a XXXX XXXX. On XXXX XXXX I was able to speak to an associate about processing VA loan modification under the CARES act. They have supposedly been working my file since and told me that title cleared on XXXX XXXX and final processing has been started and awaiting final VA approval. I spoke to VA loan technician on the XXXX of XXXX and they have no record of MM transmitting information about my loan modification I need to know what stage we are at in this process and when I can receive proper documentation as MM Mortgage is also sending threatening letters about foreclosure on the XXXX of XXXX due to past due amounts that are supposedly protected under the CARES act.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

My husband and I received a business deposit to our Marcus CD account ( XXXX ). We were not aware that business related deposits were not allowed, and promptly transferred the funds into our Marcus savings account ( XXXX ) and then called Marcus to initiate a transfer transfer for the funds to a business account that Marcus had linked ( Marcus linked and unlinked the business checking account with me on the phone, and called to verify I gave them the " ok '' to send funds there ). Marcus did not transfer the funds and told me my savings account would be closed ( with {$410000.00} in it XXXX as business related transactions are not allowed, which I completely understand. 

Instead of returning the assets to me via check as stated in the account agreement, Marcus said that the original funding institutions needed to request the funds back. They instructed one external institution who had funded the CD account to request the funds back from our savings account, which that institution had even send funds to before. The external institution tried to request the funds back ( from both the CD and Savings ) and were not successful and received an " account frozen '' and " account closed '' code.

Marcus isn't able to send the funds back to the originating institution themselves as it's beyond the time period where they could reject an incoming deposit. They are aware that it's also beyond the time period where the originating institution could request the funds back, and that they won't be able to do so from either account ( especially the savings account, which they never funded in the first place ). 

Marcus by Goldman Sachs is part of a wave of online banks force-closing accounts and not returning assets to boost their balance sheets, which is illegal.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

TMS received our XXXX Mortgage payment but did not apply the funds to our account. This is confirmed on their statement as well as from our bank. Now TMC is requesting a double payment mortgage payment for XXXX. 
I spoke with XXXX at TMS at XXXX on XX/XX/23. The first response was that it was my fault as I did not say what our payment was for - the amount was the exact dollar amount of our mortgage and we only have a mortgage account at TMS. I asked if this would negatively impact out credit, she could not confirm. I asked for supervisor and one was not available and would call me back. After asking to speak with the Office of the President to file a complaint for unfair and deceptive practices, she said they did not have one. The reason then changed as it was due to our servicing changing. I asked for a letter documenting that my payment would be credited, again that was not possible. I am still waiting on a supervisor to call me.
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

The date is showing XX/XX/2021. The amount is for XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I don't understand why they charged me XXXX for an ambulance ride that I didn't call myself so I feel like I should not be charged without having that option and to go only 5 miles is my biggest concern.
Consumer complaint received 2021-06-01
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: Experian Information Solutions Inc. (AL)

I have disputed the bankruptcy on my credit report multiple times and the credit bureaus refuse to remove it. Each credit bureau has rated that the information has been verified with the courts. The courts have informed me that they did not verify a bankruptcy filing with any credit bureau. 

I demand that the credit bureaus immediately remove the bankruptcy as they knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. They have not verified a bankruptcy with the courts Should they continue to insist that the information is verified, provide name, address, and contact information for the data furnisher in writing. I will then take legal action against the fraudulent furnisher of this information
Consumer complaint received 2021-06-01
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. (CA)

There are 9 accts on my credit report that I have been disputing since XX/XX/2021 and the bureaus and the furnishers are not helping me out this is a identity theft case and I will not settle until all these are off my credit report asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Lakeview loan servicing has force placed a XXXX policy even though I already have XXXX. I've been on the phone with them three times for over a hour. I've even patched my insurance broker in on one call to have them email the insurance docs directly to them. This doesn't seem to ever get resolved. I originally had a escrow account but had to file multiple complaints to get it removed as they were paying my taxes in XXXX. So I have been paying my own taxes and insurance diligently yet this mortgage company keeps harassing me with frivolous charges due to force placed insurance policy which I already have.
Consumer complaint received 2020-11-23
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: SUNRISE CREDIT SERVICES, INC (WA)

-XX/XX/2020 contacted the company advised this was a fraudulent account. 
-Filled out form disputing charge advising of identity theft. 
-Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. 
-Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. 
-On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. 
-The company in question is Sunrise Credit Services , from NY.
Consumer complaint received 2021-06-01
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. (MO)

My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  {$6400.00}
Consumer complaint received 2021-06-01
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)

My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  {$6400.00}
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I use People 's United Bank for my home mortgage and pay extra towards my mortgage every month, typically about {$2000.00}. I was told by a branch Mortgage Officer that all extra payments would automatically go to my principal. I discovered a few months ago the extra payments were not going towards my principle. Peoples United Bank went retroactive for 6 months to correct the error, but that is it. I am continuing to pay extra monthly since I last addressed this issue with the bank but the payments are still not going towards my principle. I have called People 's United Bank several times now and have not received any return calls. There are no longer any local Mortgage Loan Officers since the merger with XXXX XXXX XXXX  that I can work with on resolving this issue.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Transunion, I am writing to dispute several unauthorized hard inquiries listed on my credit report, which I believe to be inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ). Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize nor are they associated with any accounts on my credit report. These inquiries are inaccurately affecting my credit score, and I request an investigation into these items with the expectation that they will be removed from my report. 

Below are the details of the unauthorized hard inquiries : XXXX XXXXXXXX XXXX XXXXXXXX -Dated XX/XX/2023 XXXX - Dated XX/XX/2023 I affirm that I did not authorize these inquiries and have no knowledge of them. As mandated by the FCRA, I request that you conduct an investigation within 30 days of receipt of this letter to verify these inquiries. If these inquiries can not be verified as authorized by me, they should be removed immediately from my credit report as per the FCRA requirements. 

Please inform me of the outcome of your investigation at your earliest convenience. 

I appreciate your immediate attention to this matter. Should you need any further information from me, please do not hesitate to contact me at XXXX. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-01
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: Experian Information Solutions Inc. (TX)

After the original creditor responded to a dispute, Experian opened up a new dispute but I do not feel they fully looked into the dispute because the account still reflects incorrect information even after the original creditor supplied information directly to me. Experian reporting does not align with what the original creditor supplied to me, and the account reported on Experian 's reports shows that it has not been updated since XX/XX/XXXX. Experian has not handled this dispute process accordingly and I would like the tradeline removed until corrected. 

XXXX is the original creditor that is still reported on my credit report and has been disputed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Experian as well as reported a complaint with the CFPB XX/XX/XXXX and there have been zero changes by Experian and how they are reporting this tradeline and information. This tradeline is also reported on XXXX  and there are inaccuracies between the two when compared therefore Experian is reporting incorrectly.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRST ADVANTAGE CORPORATION (TX)

My background check was sent out by 3rd party agency without my permission and provided to XXXX recruiting, XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

On XX/XX/2023 I received a Debt Collection notice, via XXXX, from SouthwestCredit ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) XXXX The letter was dated XX/XX/2023, so that by the time I received it, 7 of the 30 days I have to dispute this claim had already elapsed. 

This debt is not mine, so on XX/XX/XXXX, I filled out a form on the SouthwestCredit website ( https : //www.swcconsumer.com/ ) to tell them exactly that ( to dispute the debt ). Despite entering my email address and telephone number, as part of that form, I did not receive any confirmation from SouthwestCredit that the account is in-dispute. Also, when I look at my account status on the SouthwestCredit website, there is no indication that the account is in dispute. So Southwest can simply claim that I never disputed the debt, in which case after 30 days the law presumes the debt collection attempt is valid. 

I then called SouthwestCredit to ask for some kind of written confirmation that my account is in-dispute. The customer support agent I spoke with ( XXXX XXXX ) told me she is not able to give me a concrete confirmation that I'm disputing the debt. After I escalated my case with SouthwestCredit customer support, XXXX 's XXXX ( XXXX XXXX ) told me that she can not give me a concrete confirmation, and passed me to their " executive relations '' dept. The executive relations department does not pick up their phone, so I wasn't able to make any progress on this issue at all.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this late payment needs to be updated.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY EXPERIAN XXXX AND XXXX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( XXXX XXXX XXXX  ) ON MY CREDIT REPORT. XXXX XXXX XXXX STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR PRACTICES.