davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... nothing about this account is ACCURATE! It is affecting my ability to borrow money.
Consumer complaint received 2017-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On Today, I decided to look at my updated credit report and noticed that they were 4 hard inquiries that I never authorized or have knowledge of. I ask that these inquiries be properly investigated and I also want to receive a copy of proof of how these inquiries were verified. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

In XXXX XXXX, my wife and I discovered that our social security numbers were used to submit fraudulent income tax to the IRS. Subsequently, we were notified by the IRS that our social security numbers had been compromised. This ( tax fraud using our social security numbers ) continued for subsequent XXXX & XXXX tax years. 

Hence, we submitted all the required and necessary documents to the three credit bureaus ( ie. XXXX, XXXX, and Experian ) and requested for them to place a security freeze on our credit accounts in XXXX XXXX. XXXX and XXXX immediately complied, however, Experian did not. 

Subsequently, I resubmitted my request along with the necessary documentations two more times in XXXX and XXXX of XXXX. Unfortunately, each time Experian continued to deny my request even though it approved my wife 's security freeze request on the third attempt. Instead, they placed a 7-year fraud alert on my account. 

Experian claimed that they were unable to honor my request for security freeze because I " did not meet ( their ) criteria for a valid identity theft report ''. I am puzzled with their response when my social security number ( ie. tax id number ) was clearly compromised.
Consumer complaint received 2022-04-01
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. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-13
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. (MO)

My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the XXXX major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX  2 ) XXXX XXXX {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 ) XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX XXXX {$100.00} 12 ) XXXX {$20.00}
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MO)

XXXX XXXX. 
~ {$150.00}. 
I was on vacation in Colorado with no service. Postedponed making payment until I had service. I forgot all about it and never paid until next time. I have proven that I can consistently make payments not only before the incident, but after as well. I have not missed since. I wanted to see if it were possible to somehow forgive this incident.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AZ)

On XX/XX/2020 @ XXXX or XXXX XXXX  literally from one transaction to another chime bank closed my account without any notification! When I call the support number its states my account is closed or suspended and directs me to the email. Which I have been emailing since last night and only gotten some automated message back with no real response or resolu. tion!!! I just moved states and need my money ASAP!!!!
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2018 I contacted Experian with regard to a paid off account. Instead of updating the account as paid in full. Experian delated the account & the positive history of the account
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (VA)

A couple of years ago, we were introduced to Nationwide Biweekly Administration regarding a Mortgage reduction plan they were promoting. After speaking with them, they ensured us that there were no up front fees other than a {$3.00} processing fee taken from our bi weekly withdraw. They further stated that the key to the biweekly process came from XXXX bi weekly withdraws ( essentially paying 13 months instead of 12 months ). The process would include an initial debit that acted as a " deferred payment '' which they assured would, in its entirety, eventually go to our mortgage payment. In mid XXXX of 2015, we were contacted by Nationwide Biweekly and informed that for an unspecified reason, they could not pay our bank that month, that they were essentially dropping us until the problem could be resolved, and that we would have to resume making our own mortgage payments for that time. We inquired about the money already taken out for the month, and they affirmed it would be redebited to our account ( which it was, minus {$3.00} ). However, while recently researching making bi weekly payments directly through our mortgage provider, it came to our attention that Nationwide Biweekly had charged its customers a large lump fee up front, which we were told was not the case when we signed up. We then contacted Nationwide Biweekly and inquired about the alleged initial fee. This was the first time anyone at Nationwide Biweekly informed us of that fee. While she would not quote an exact monetary amount, she informed us that it was withdrawn from our initial first debit. Since Nationwide Biweekly failed to inform us of this fee, and since they dropped us prematurely ( prior to the completion of the mortgage pay off ), we wanted to know how to get that initial fee back ( since they originally told us it was a deferred payment that would go toward our final payment - which is did not, nor will it since they dropped us ). The representative told us it was non refundable, but upon further pressing, stated she was not able to answer that question and would transfer us to someone who could. We then waited on hold for approximately 45 minutes before our connection was terminated.
Consumer complaint received 2018-06-09
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: Senex Services Corp. (OH)

I have {$5900.00} on my credit report from SENEX I have '' NO CONTRACTS '' with this organization. I have contacted the 3 credit bureaus in the past as well as this SENEX place. This information has been affecting my credit report as half my total current credit. I am XXXX and on a fixed income so I don't know what to do.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On a regular basis when I log into my online banking account, I get a screen asking me to verify personal information. It says it is missing critical information and that I should update this question : " Do you have dual citizenship? '' and further, it states the field is required. I first received this screen in fall 2017 ( I have been a customer for about 20 years ) and although I answered the question, I continue to receive this screen whenever I log in. I now resort to bypassing it. 

I would like to know : ( 1 ) Is this question being asked of all BofA customers? 
( 2 ) What law or regulation allows a bank to inquire about dual citizenship and maintain this information? Do I need to be a citizen to access financial services? If not, is n't this an invasion of privacy? 
( 3 ) How is this data maintained and is it shared? 

Lastly, why does the bank continue to ask this of me despite my already having provided this information willingly.
Consumer complaint received 2017-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

This company is reporting twice on my credit report and I do not have a contract with this company. They 2 separate dates listed on my credit report. One is XXXX XXXX and XXXX XXXX. I do not owe this company money as I do not have a contract with this company
Consumer complaint received 2017-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I never received a letter from Americollect regarding the debt that they are reporting on my credit report. This debt was removed in 2016 and has been reinserted without me being notified in writing. The debt has never been validated. Americollect does not have a contract nor have they sent me a contract baring my signature binding me to their debt that they are illegally reporting on my credit report! This is a violation of the FCRA. The original creditor is XXXX XXXX XXXX. I have never received a debt validation letter from Americollect. I have not received a signed contract between Americollect and XXXX XXXX XXXX that grants Americollect to collect on this debt. Verification that this debt was sold or assigned to a debt collector. In US law encyclopedia the America jurisprudence 73 an Jur 2d Sections 90-93 it says that one can not subrogate onto a contract that they were not originally on and did not have any interest to protect and claim successor.
Consumer complaint received 2019-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX
Consumer complaint received 2018-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I lost my phone and wallet. I kept a lot of notes in my phone such as emails and passwords. Inside my wallet I had my license, passport, cash and credit cards. On XX/XX/XXXX there was a fraudulent wire transfer from my chase bank in the amount {$6100.00} dollars and another fraudulent wire transfer occurred the very next day on XX/XX/XXXX in the amount of {$9900.00} dollars from the same bank. I ended up going to the bank XX/XX/XXXX because I needed some cash and thats when I found out my account was a negative XXXX  dollar balance. I immediately spoke to XXXX  and we disputed these 2 fraudulent wires right away and filled out a affidavit and faxed It to chase claims department that same day. Two weeks later I get a letter stating the claim is closed and chase   cant help me. I immediately called the phone number on the piece of paper and spoke to XXXX in the fraud department and she spoke to someone in the claims department and they opened The dispute back up, two weeks later they closed it again. I called chase claims department this time and they told me there is nothing that they can do and they are not responsible for the loss of my funds even if its fraudulent. I even spoke to a manager or so they told me and she said the same thing they arent responsible for fraud transactions. I think this is ridiculous because I feel as a chase customer they didnt do anything to dispute this matter they closed It so fast and didnt look into anything for me and try to see where the money went and who got it. This is very bad business in my opinion.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OR)

We had a mortgage with Mr Cooper that was serviced by Right Path Servicing. In XXXX of XXXX, Right Path Servicing was contacted a hazard insurance company for payment of a policy of the same last name as ours but a different policy address. Right Path paid this company {$1700.00} from our escrow account. We discovered this error when the end of year escrow statement and projections was issued in XX/XX/XXXX. I contacted Right Path multiple times in XX/XX/XXXX and finally thought we had the issue resolved. Loan was transferred on XX/XX/XXXX to XXXX XXXX. During these phone calls is when we discovered the improper use of our escrow funds by this mortgage company. We were escalated to a supervisor who explained what happened and steps they would take to correct. Insurance company wanted to issue a refund check to me directly but he suggested not releasing our personal information and allow the check to be issued to Right Path and Right Path would issue a corporate check for the refund. We agreed. 

Well not 100 % sure what happened but the {$1700.00} was never credited to our new escrow account. After several more calls we were told check from insurance company arrived XX/XX/XXXX and new check was issued XX/XX/XXXX. XXXX XXXX can not confirm arrival or locate the refund check. On XXXX in a conference call between both mortgage companies and myself we request photocopies of the check and the address to which the check was sent. No response and in another conference call with the XXXX mortgage companies on XX/XX/XXXX I am told by the escalation team that Right Path no longer services the loan and I will need to contact incorrectly paid insurance company directly to get a new refund check issued. This is when I reached my breaking point with Right Path. Asking me to impersonate someone who happens to have the same name as me and request a new refund check for their mistaken payment. How did Right Path pay the hazard insurance policy on the incorrect address? How can Right Path leave my escrow account short {$1700.00} for a year? How can Right Path not transfer our entire escrow balance?
Consumer complaint received 2017-12-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

TransUnion failed to comply with 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of the two distinguishable tax lien information in the consumer report it initially and currently prepared regarding XXXX XXXX. 

After over 45 minutes of walking, being frustrated, embarrassed and stressed out searching for XXXX XXXX XXXX, XXXX, Oregon XXXX. I realized that the address contained in my credit report from TransUnion was inaccurate. Their is no such address as XXXX XXXX XXXX, XXXX, Oregon XXXX. Thus, XXXX XXXX initial and current consumer report prepared by TransUnion contains further inaccurate information, in violation of FCRA. 

I called the telephone ( ( XXXX ) XXXX ) listed on my credit report and learned the actual address is XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX. 

I traveled to XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX to obtain a certified copy of the tax lien issued by the XXXX XXXX XXXX XXXX XXXX. The certified tax lien specifically shows two different year tax lien ( XX/XX/XXXX and XX/XX/XXXX ). XXXX XXXX initial and current credit report fail to distinguish XXXX XXXX XX/XX/XXXX and XX/XX/XXXX tax lien. 

The failure to distinguish, update, remove, and instead continually reporting XXXX XXXX inaccurate tax lien by TransUnion was inaccurate, and occurred because TransUnion failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of his consumer report. Specifically, TransUnion does not follow the same automated and systematically rigorous processes to obtain all distinguished, satisfactions, releases, or other changes to the public record status of tax liens that it follows to obtain the original entry of tax lien information in the public record. 

Indeed, TransUnion follows no procedure which assures that, when distinguished, paid, satisfied or released tax liens under Oregon law, the updated status is promptly obtained and reflected upon the consumers credit report. 

ODOR public record indicated that the XX/XX/XXXX and XX/XX/XXXX tax lien had been distinguishable on a date prior to the date of the TransUnion consumer report. 

TransUnion failed to comply with 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of the two distinguishable tax lien information in the consumer report it initially and currently prepared regarding XXXX XXXX. 

As a result of TransUnion continues violation of FCRA, XXXX XXXX has suffered and continues to suffer damages, including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation.
Consumer complaint received 2017-02-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NJ)

I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau as a debt collector acquired my personal information on a medical debt that was sufficiently paid by my XXXX health insurance plan several years ago. The service date shows XXXX XXXX, XXXX, and suddenly I 'm sent a collection notice nearly five ( 5 ) years later. I demand an attachment on ownership or transfer on rights to attempt to collect a debt. Secondly, I demand a copy of the original thirty day ( 30 ) notice from the original creditor, and last I demand a copy of a 180-day notice that there will be no attempt to damage my personal credit report as mandated by the FTC-CFPB with all pertinent credit bureaus in fiscal year XXXX. A copy of said mandate is attached. This collection is highly illegal. Central Credit Services is neither licensed or bonded to attempt collections in the state of New Jersey. They acquired my information on a five-year-old debt that has already been satisfied through insurance. This company must close this file, cease and desist any further collection attempts from me, and purge my name from their computer base.
Consumer complaint received 2019-05-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Perfection Collection (FL)

I couldn't keep paying the bill, they didn't say that it was a two years contract, when i close my account they say now that have to pay {$2900.00}, for the all system, the salesman that came to my home said that the all system was included in the monthly plan
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (WI)

I received a notification today that a collection was added to my credit report in the amount of {$520.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.