davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2021-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I tried to reach out to this company through mail on multiple occasions to try and rectify the situation over the last 6 months and I have yet to receive an response. I feel this account is affecting my credit and hindering me from being able to obtain a loan to buy a home.
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (CA)

I tried to reach out to all 3 credit reporting bureaus with no success.

Due to Covid-19 my only source of income other than my Social Security are my EDD payments. Unfortunately my EDD account has been flagged and suspended until I can re-verify my identity which I can not due because my driver 's lic. and passport have expired and they are the only 2 ways to start the verification process. I have applied for a new lic. which can take up to 6 weeks to receive. 

Consequently I have not been able to pay many of my bills on time or in full. This has dramatically effected my credit scores. I am hoping that there is a way to intercede on my behalf to remove negative comments until my EDD payments resume.
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MS)

I contacted XXXX on XXXX XXXX, 2017, and I contacted the collection company I.C. Systems in XXXX XXXX 2017, asking for proof that this was my debt. I asked for a signed contract or invoice of some kind. The company who claims I owe them is called XXXX and does business out of Alabama and Florida.
They would NOT provide any proof whatsoever, but maintain the debt is mine and will not remove it from my credit report.
The amount of the debt reported is {$1300.00}
Consumer complaint received 2017-09-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shermeta Law Group, PLLC (MI)

In XXXX XXXX i was sued by XXXX XXXX for a car i voluntarily had repossed because they asled of i could borrow money to make a payment, they hired shermeta law group to sue me, i was sued and a settlement was reached, I am also a XXXX employee myself. I have been making payments to shermeta law payable to XXXX XXXX since XXXX, XXXX in the amount of {$200.00} a month, in XXXX of XXXX i was on a temporary layoff for 2 weeks, I contacted shermeta lae that i was on layoff they would not work with me, aftdr notifining them in XXXX XXXX of layoff they stopped sending statements of my account and payment coupon, I made a payment in XXXX XXXX without a coupon, on XXXX/XXXX/XXXX i recieved a letter dated XXXX/XXXX/XXXX that says i defaulted and now i owe the amount of XXXX instead of XXXX, they gave me 14 days to respond, this XXXX XXXX acount still shows on my credit report negative non of the payments made from XXXX to XXXX are being reporte to my credit report, i also have fmla due to a XXXX so i miss time from work, i ask tired of being harrased, they dont even send the paperwork to the correct address, they threating to garnish my wages, i am really XXXX from this company, please help.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

On XX/XX/2020 I filled out a web based application for a cash out refinance of my current mortgage. I was approved and XXXX XXXX called me and I worked with him through the process. The system was having issues and so the online application was not established until XX/XX/2020. I paid the {$500.00} fee that I verified with XXXX that if the loan was not approved it would be refunded on XX/XX/XXXX, XXXX.I was instructed to update my homeowners insurance to reflect XXXX. I was sent all the documents and disclosures. On the evening of the XXXX XXXX requested my bankruptcy discharge papers. They were submitted to XXXX on the XXXX, same day that XXXX scheduled my home appraisal. For weeks I submitted paperwork whenever requested and was assured from XXXX that everything was going smoothly and that it should be closing soon. When we got to the 60 day mark I wanted to know what was going on and when was the loan going to close, only to find out that because of the bankruptcy, which XXXX knew about from XX/XX/XXXX, that the loan could not be approved. It has been two weeks, and my money has still not been refunded to me. XXXX is not answering my calls or returning emails.
Consumer complaint received 2021-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I've contacted SunTrust and raised the issue with whomever called me back however there's no potential resolution at their level. 

SunTrust is not reporting mortgages in forbearance as " delinquent '' to the credit agencies - that's in accordance with the existing regulations. However, SunTrust is in fact putting a " delinquency notice '' on mortgage statements that harms consumers attempting to secure loans in the lending market.

Imagine customers who are economically disadvantaged or historically disenfranchised ( minority populations ) who already struggle to get loans only to have their application require a current mortgage statement from SunTrust that says at the top of it " Delinquency Notice ''. SunTrust is putting, in effect, a Scarlet letter on their mortgage statements and it eliminates consumers ' chances to be approved. I've been told that directly by loan processors and underwriters.

SunTrust needs to amend their mortgage statements and remove those delinquency notices from them. I'm fortunate that I have resources and can work around these kinds of tricks that mortgage companies play however it's wrong and harmful to other consumers.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JTM Capital Management, LLC (IL)

XX/XX/XXXX and XX/XX/XXXX Phone number called from : ( XXXX ) XXXX  XXXX, NY Both times they claimed a courier was on their way to my home to serve me with papers to withhold my Social Security check for an alledged credit card I have paid off and closed.
After 1st message I called back and spoke to XXXX XXXX XXXX who claimed to represent a law firm of a company of a company. She had the last 4 of a credit card number of mine. She claimed I owed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX {$360.00}. Since XX/XX/XXXX I want these people to quit scamming people. Bunch of theiving subhumans!!
Consumer complaint received 2021-02-05
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: Medical Business Bureau (IL)

I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through XXXX. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : XXXX XXXX XXXX - acct # XXXX - date owned : XX/XX/XXXX Medical Business BureaXXXX acct # XXXX Date opened : XX/XX/XXXX Medical Business Burea- acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX US Sm Bus Admin XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a few addresses that is not correctly showing on my credit file that needs to be updated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES:XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However I would like them removed because they are not accurate.
Consumer complaint received 2021-04-02
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: NCB Management Services Inc. (AZ)

Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

I began the process to refinance an existing loan with Amerisave Mortgage on XX/XX/XXXX. Since then, I have provided all financial documents requested. I noticed that I had a new loan originator assigned to me and inquired why I had someone new assigned to me. I noticed that the online portal stated that I needed to complete the loan application and inquired why it stated that I needed to fill out the loan application if I had already done so. 

On XX/XX/XXXX, my loan processor requested that I send her information about my retirement account. I provided the information to her on XX/XX/XXXX. Amerisave requested a payout amount from my mortgage company and I was told that my loan was in underwriting. 

Since XX/XX/XXXX, I have repeatedly ( eight phone calls and at least 3 emails ) contacted the loan processor and others at Amerisave to check on the status of my loan. I have received zero responses regarding the status of my loan ( no returned phone calls nor emails ). I am concerned that the loan company is trying to let the time run out so that they don't have to honor the loan application.
Consumer complaint received 2020-11-04
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: Aargon Agency, Inc. (TX)

I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
Consumer complaint received 2019-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (AZ)

I have received over the last 12-16 months a company named XXXX XXXX trying to collect a debt. The debt recovery company is Ad astra debt recovery services. I did not realize that several hundreds of dollars was coming out of my bank account and this was a while back. I am trying to locate the information with the account number and other information important to this case. I have been a victim in two ways. 

First, I had a debt collector trying to tell me I need to pay a loan which was not mine. 

Second, is that I am a victim of financial fraud because some one used my identity as XXXX XXXX and stole money from my credit union account in XXXX County California.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (RI)

In response to complaints filed, on the day only when my payment was due, PayPal responded. I answered that I was not satisfied and since tried numerous times to contact many at their National Headquarters, where, as routine, it appears, no one responded. I have also looked up other complaints and it does seem this company prefers not to have Contact, but will on a constant basis continually increase FEES. I also contacted the Federal Trade Commission who advised that I contact XXXX XXXX XXXX, of which I have, and again, no one responded back from there either. Many closed doors, not only to me, but as I have researched as a practice to customers by this company. Yesterday, XX/XX/2018 @ XXXX, I forwarded an email to cancel my account { XXXX XXXX XXXX XXXX } as I also tried to reach out for a hardship program due to the constant adding of FEES and my status as XXXX, again, no response. I also sent information to XXXX stating I advised to cancel my account with PayPal now and surely before next payment due date. I will continue to make monthly payments, but not at the high amounts with these FEES they demand. XXXX, XX/XX/2018 @ XXXX ( I thank you )
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I was astonished when I looked at my Equifax, XXXX  and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently.
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and blatantly ignored in my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2017-09-16
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. (IL)

All four major credit bureaus TransUnion, XXXX, XXXX and XXXX have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared My ( Consumers ) personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had contacted XXXX report # XXXX regarding information they are reporting and they did not provide me proper notification according to 15 U.S. Code 6802 and they refused to provide me with any proof that proper notification was made to me.