davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XXXX of XXXX, my father XXXX XXXX passed away. At the time of his passing, I was already authorized for 2 years to handle any business on their mortgage. The name of the company on this complaint is NewRez and Shellpoint Mortgage. His death was reported, a new account payment account was provided to authorize any payments, escrow overages for the new account as well as a death certificate. Because my mother has XXXX XXXX I took care of everything. In XXXX of XXXX, an overage was issued of {$1000.00}. I notified the above companies in XXXX of XXXX to send any escrow payment/overages to the new account which pays the mortgage electronically. I called the company twice in XXXX, twice in XXXX, twice in XXXX and now we're in XXXX of XXXX to please deposit an escrow overage of {$1000.00}. to the correct account and was told on every call, that it would be deposited. Today 's date is XX/XX/XXXX. I am now on the phone with yet another employee, XXXX XXXX, who is again stating the escrow overage will be sent via electronic deposit on XX/XX/XXXX. The phone number is XXXX XXXX. The address of the company is P.O.Box XXXX XXXX, Texas XXXX XXXX account number is XXXX. The company verified the correct bank account many times and still stated they sent the escrow overage to the correct bank. Again, today 's date is XX/XX/XXXX and there has been no correction deposit sent to the current bank of record. Please advise on mortgage regulation companies and corrective measures. I also have had a DPOA for years prior to his passing to handle everything. They have my name on the account as authorized representative. There is no excuse for this to be occurring 5 months. Please advise on a suitable solution to have this corrected. Thanks
Consumer complaint received 2021-08-19
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. (MD)

I have contacted XXXX XXXX XXXX via Validation of debt letters and via phone call to ( XXXX ) XXXX but have not received the validation necessary of leaving this erroneous account on my credit reports. Additionally, while the account is listed as a charge-off, they continue to increase the balance. I have attached the dispute letters sent to them along with the letters sent to the credit bureaus. I have not received the required verification for having the accounts on my credit reports and this erroneous account must be removed as XXXX XXXX XXXX  has violated the Fair Credit Reporting Act. 

Certified mail receipt number XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MI)

Experian is operating a scam credit reporting service. Watch out! Experian bombards consumers with ads. Within those ads are suspicious and hidden subscriptions. 

As the personal financial XXXX to the military, I continually check Experian for information to share with thousands of soldiers and families. On at least two occasions Experian has began charging me for a monthly report, that I did not subscribe to. When I discovered it again on my credit card, {$14.00} per month, I called them to immediately cancel it and requested a refund for two months. It refused! 

As a personal financial XXXX and XXXX XXXX XXXX, I have a fiduciary responsibility to warn all soldiers and families, including thousands, of the sneaky and unintentional scam tactics of Experian. I consider myself well aware of scams and Experian is duping thousands of unwary clients who depend on it as a credit bureau. 

In no way, did I intentionally subscribe to Experian 's monthly credit reports. I am notifying military leaders, the Michigan Attorney General, and all soldiers of this scam as I routinely speak to the groups and individuals.
Consumer complaint received 2022-01-12
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)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/XXXX FCO ( Fair Collections & OutSourcing and I reached a settlement agreement that with a payment of XXXX my account with them would be considered closed and settled and updated to reflect that on my credit report to reflect settled in full ( See attached ). The payment was made to them and I received a confirmation letter dated XX/XX/XXXX. In XX/XX/XXXX i checked my credit and the account reflected as : Open and with a balance of {$3400.00}. At this point I disputed the information and received a letter back from the creditor ( See attached ) stating that the account has been reported correctly. They have not stuck up to their part of the agreement and my credit has been impacted from XX/XX/XXXX until today. I would like this information to be updated on my credit to what was agreed upon. I have been turned down for an apartment due to their inaccurate reporting because it does not reflect that i have paid them in a settlement.
Consumer complaint received 2022-04-29
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. (MO)

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (FL)

I contacted Kia Motors Finance on XX/XX/2022 and I spoke with an associate named XXXX. This associate verbally agree to settle a debt based on a previous offer from a debt collection company. She instructed me to send her a copy of the settlement letter via email and provided her email address. She stated that once this was complete that she would call me to collect the settlement amount. I called her back on XXXX XXXX the new associate refused to transfer me to XXXX and the stated that they would not be settle the debt even though the previous associate had agreed. I asked why we could no longer settle for the previously agreed upon amount and I was told that a new supervisor did not approve it and they would not be honoring what the previous associate told me was a firm agreement. The associate refused to let me speak to the associate or to a XXXX.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

Fraudulent charge ( $ XXXX ) against my XXXX XXXX made from Phillipines XXXX by XXXX XXXX. by use of a XXXX. Auth./Ref. # XXXX. Filed a claim against my credit company.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX : Opened Capital One {$100.00} Checking Bonus. XXXX promo code entered into appropriate field in application. Promo valid from XXXX Use promo code XXXX in application, and Spend at least {$300.00} with debit card within 90 days of account opening. Bonus will post to your new 360 Checking account within 60 days after your 90-day spend period ends. 

XX/XX/XXXX : Completed {$300.00} spend XX/XX/XXXX : Called Capital One customer service agent XXXX, Employee ID : XXXX. Reference code for call : XXXX Regarding bonus not being awarded within stated time frame. Representative stated I completed all the requirements for the bonus.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IN)

My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX  Account number : XXXX Balance : {$550.00} Creditor : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX 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 2021-03-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (NM)

National credit Adjust won't removed off of my name an account that its not mine I have try to reach this company since last year and they would not removed this information off of my name and credit report.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MECHANICS BANK (MO)

I am a representative payee for my son. I was told in XX/XX/2021 that I can not have a debit card. I dont live anywhere close to this bank. We live in MO the bank is in CA. Since they took the card away, I now have no access to the account. I want to know why if social security administration authorizes me to take care of this account why does the bank get to make the decision as to how I pay his bills and manage his account. I have managed this account for 13 years and always had access to a debit card. I need access to his account via a debit card and the bank should not be able to tell us we cant.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative stated that " no such law exist ''. I informed the representative that I will be forwarding over supporting documents in writing by via XXXX Certified Mail on XX/XX/2021.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc. (WA)

A hard inquiry appears on my XXXX  report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX  and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.
Consumer complaint received 2018-02-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

I refinanced my home through Loan drop. I was told that it would drop my payment by {$100.00}, my rate a full point, that I would skip two months of payments, my closing costs was {$500.00} and keep my escrow check. Four days before closing I was told my payment would be {$40.00} higher then promised and I will have to hand over my escrow check for closing. So I spoke back to the original guy I started the process with who informed me that he would take care of it and I will definitely keep my escrow will check. Once again the promises were broken and I was told I do still need to give off of my escrow check because it's going to be part of my closing cost but what I could do is write them a post-dated check and they will cash it 30 days after closing for the closing cost. So I wrote them a post-dated check to only come and find out 3 months later they lost my check. I spoke to another Mortgage Company who told me to bring in my closing documents so they can take a look and see what's going on because they have never heard of anything of its kind. Sure enough the amount that they had me posted the check for that they are claiming is for closing costs is not listed on my closing disclosures nor was it listed in my XXXX tax statement. I think reached out to loan Depot again and ask them why it was not listed on my closing documents or my XXXX statement. I was told that it has nothing to do with closing so I didn't ask but what is this money for. And then received a very condescending email from the processor that just told me I need to send him a replacement check and that if I had any questions to call him but every time I reach out to call him he will not answer the phone. I need help with this lender it seems like something shady is going on. This situation has been going on since XX/XX/XXXX ( closing date ) all the way up to today 's date.
Consumer complaint received 2018-02-09
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. (MS)

I have disputed this with both Experian & XXXX XXXX credit. I have inaccurate multiple late fees showing on my credit report in XX/XX/XXXX. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. It was deleted again. For the last time, this card is paid off & I am demanding to have these late fees deleted or the entire card deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the late fees or delete account from my credit file.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (MI)

I had a prepaid money order from XXXX  didnt need it to pay a bill so I wanted to cash it in my name, the company that they use Certigy declined it. So I ask to have my file sent to me, once I received it, the information that declined my money order is totally wrong, never had a check, and never went to XXXX to cash a check as they refer to why they declined the money order, they are wrong in the reason and I would like to why and how they got the wrong info
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NJ)

My mortgage is held through U.S. bank. on XX/XX/19 I received my escrow analysis statement from the company. It was wildly inaccurate, overstating my taxes by over {$3000.00} per quarter. I contacted the bank that day and alerted them of the issue, they told me to fax in a copy of my taxes, which I did that day. I was told to give them 10 business days for an updated analysis, early XX/XX/XXXX comes they did not have it completed. A few days pass I called back, they give me an updated amount. This new amount is {$55.00} higher per month than my original payment. I requested an updated escrow analysis so I can see why my payment is going up over {$600.00} a year when my taxes are only increasing {$100.00}. Was told they'll have that done by XX/XX/XXXX. I call on the XX/XX/XXXX, ask for an update on the escrow analysis, they tell me they do not see any requests submitted. I then get told they do not create escrow analysis after the yearly analysis is completed. If the yearly analysis was wildly inaccurate, I feel I have a right to a new analysis to know why they are raising my payment. My call gets escalated to a manager, they tell me they'll submit another request. Another 10 days have past and there is no news on a new analysis and my payment is due in a week. It has been over a month with this issue and the bank can not provide a simple request.
Consumer complaint received 2021-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I have a federal consolidation loan. My wife and I went through a chapter XXXX bankruptcy. We made the student loan payments as part of our monthly amount dictated by the federal trustee. We made 60 consecutive payments. However these payments do not count towards our 120 payments for PSLF program according to Fedloan. This is absurd. 60 straight monthly payments, directed by a federal Court, should absolutely count towards the 120 necessary for the PSLF program. 

This is criminal that they do not count. Please help me get the credit for payments that I deserve. 

Current interpretation amounts to financial double jeopardy.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I had a dispute with XXXX regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXXavalry Collection Company to appear in court for an excessive amount & I requested a list of all charges & I have not received same. Cavalry Account # XXXX
Consumer complaint received 2021-02-03
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: EQUIFAX, INC. (NJ)

I disputed to the credit bureaus several accounts because of inaccurate and incomplete information that are ruining my credit report, but i haven't received any response from none of the XXXX bureaus.
Consumer complaint received 2022-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have copy of my identity theft report. Remove fraudulent account placed by the collection company from all my credit reports