davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
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: Experian Information Solutions Inc. (NC)

I would like to file a dispute against Experian. I mailed out a letter on XX/XX/XXXX disputing collections, inquiries and information on my credit file. It is now XX/XX/XXXX and Experian has not responded. According to the FDCPA the items I disputed must be removed. I am also disputed 2 addresses they have on my file that are incorrect. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX this is a non existing address period that is my home address with an apt number added. Experian remove this false address. 
2. XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I have never lived at this address this is an Ohio address and my home is at XXXX XXXX XXXX XXXX NC. 
I have asked Experian to update my file many times this year to remove the multiple names they have listed for me, just written differently. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX , XXXX NC XXXX. 
They have also added back a company they removed last year in XX/XX/XXXX which is XXXX balance XXXX, this is illegal. I have attached my credit report I pulled 4mthus ago which shows this company was not on there because they was removed. This is the only collection showing on my credit file with them, because I had to contact them about 2 other collections they removed last year and placed back on my report, which is reflected in the credit report I pulled 4mths ago. 
I have even spoken to a representative to have my name and address updated and was assured it was would be completed. When I sent off my letter on XX/XX/XXXX I asked again to update my name and address, to remove all the unauthorized inquires and requested Validation not verification and I also asked them to removed collections that was stilp showing on my account. I have n't received my response letter and according to the FDCPA the items must be removed.
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

In 2020 my mortgage was onsold to Statebridge. Due to XXXX, I was unable to travel to my home in the USA. I emailed Statebridge about the situation repeatedly. I also utilised their Customer Service number, but it was rarely answered, even after waiting on the line for more than an hour. Statebridge did not notify me, but blocked online payments. I have always had more than adequate funds to pay the mortgage, but was unable to make payments, despite the Statebridge platform saying that the payments were successful. It wasn't until many months later that I was informed they STOP allowing payments on line where a payment is late. This makes absolutely no sense, as consumers who can only pay online are locked out of paying their mortgage. I was then forced to wait hours every month to try to pay over the phone. I have dozens of emails to Statebridge requesting help and assistance. Their IT does not work- I get error messages which I have taken screen photos and requested assistance. No help at all. Once or twice a year, I spoke with someone who would assist with payment, but all my requests for emailed statements and for a person I can call - these were met with silence. They recently changed the customer service number to ( XXXX ) toll free number which is NOT AVAILABLE outside the USA. When I dial XXXX XXXX on her direct line, she never answers - I have documented this on many emails. There is never an opportunity to speak to anyone and no assistance. I have been charged a huge amount of late fees, directions as to payments are not followed, errors in the IT systems make the online platform an absolute joke. Worst company I've ever dealt with. They aren't trying to assist customers or provide customer service. I request my loan be on-sold to another company that has nothing to do with Statebridge. I want my late fees refunded. I want to be able to use the online system which appears to have been built so that it does not work.
Consumer complaint received 2020-04-21
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. (GA)

XXXX, XXXX, XXXX, and U.S. Department of Ed violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I made an online purchase at XXXX on XX/XX/XXXX for a new oven to be installed on XX/XX/XXXX but received notice it would be delayed to XX/XX/XXXX due to back order. My Home depot Citicard charged me on day of purchase rather than day of delivery in the amount of {$1200.00} on XX/XX/XXXX and began accruing interest plus install fee for an item where delivery date is now unknown. I called CitiCard to explain that I shouldnt be charged until item is delivered and installed as paid for. I dont agree with charging the customer for items with no firm delivery date but rather when item has been received and installed with purchase paid for. This is the normal process for XXXX XXXX and XXXX amongst others. Is this legal to have to make payments without receiving the actual item. Most others dont charge customer until item is delivered.
Consumer complaint received 2017-11-13
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. (TX)

I have sent Experian Fraud department multiple letters informing them that I am the victim of Identity Fraud. However the company continues to request documents I have already sent or tell me that they can not remove the inaccurate information from my credit report because the creditor may not know how to contact me and request that I contact them. I have contacted the creditor and Experian in regards to these fraudulent claims and both Experian and the creditor has refused to assists me in regards to this matter.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NJ)

I purchased a car using my American express card back in XXXX and the car was a lemon so I returned it to the merchant and I filed a dispute with my credit card company the dispute been going on since XXXX I filed 12 disputes and they keep getting close in the Motions favor American Express told me there 's nothing else they can do to help me I returned the car back in XXXX of XXXX and now it is XXXX XXXX American Express is charged me {$150.00} interest for that car purchase and my minimum payment when 's from {$100.00} a month to {$330.00} a month and American Express told me is nothing they could do I could just have to pay it that 's not a problem my payment should be high this high and I should n't be charged {$150.00} and interest I pay on my card every month one time never missed a payment and I need help I do n't know what else to do {$330.00} is a lot imoney to be paying every month can you please help me every time I call to speak to someone about my account I get someone that 's real nasty towards me or they hang up on me I had to mail my American Express card for 2 years now and it been r has been nothing but headache dealing with them so I close my accounts but I still make payments on my bill
Consumer complaint received 2017-11-13
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. (IL)

XXXX ( card services ) was placed XXXX hard inquires on my credit report for one credit  application. XXXX inquiry was made on XX/XX/XXXX and the XXXX XXXX was made five days later on XX/XX/XXXX. XXXX was not authorized to run my credit twice within a five day period for a single application. I would like XXXX or XXXX inquiries deleted from all three credit files.
Consumer complaint received 2017-10-25
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: DISCOVER BANK (PA)

My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/2024 Dear XXXX, I am writing to file a formal complaint against CAINE WEINER for violations of the consumer financial protection laws as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ) and 15 USC 1681 ( e ) b. 

I do not owe this debt ( account # XXXX ) and I ask for debt validation, the purchase agreement between them and the original creditor. I have included the attachment with multiple inaccuracies across all three major credit bureaus regarding this collection. 

CAINE WEINER has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 

CAINE WEINER is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 

CAINE WEINER has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681s-2 ( 7 ) ( a ). 

CAINE WEINER did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account and yet shared these inaccuracies on consumer report, this is a clear violation of 15 USC 1681 ( e ) b.

Based on my experience and the evidence provided, I believe that CAINE WEINER has violated the following laws. 

12 CFR 1006.34 ( b ) ( 5 ) : Failure to accurately validate information to consumers concerning their accounts.

2 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to conduct proper investigation of disputed debts and provide consumers with adequate responses. 

XXXX ) 12 CFR 1006.34 ( d ) Failure to maintain and implement reasonable policies and procedures to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX ) 15 USC 1681s-2 ( 7 ) ( a ) Failure to accurately report information to consumer reporting agencies. 

XXXX ) 15 USC 1681 ( e ) b Did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account. 



I request that the Consumer Financial Protection Bureau investigate these alleged violations and take appropriate actions to ensure compliance with consumer financial protection laws. Im revoking all rights of CAINE WEINER to contact me via emails/text/calls. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
Consumer complaint received 2017-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (MD)

The following derogatory items listed on my account are causing a negative mark on my credit report and they are false. They are listed as medical debts which do not belong to me or any other member of my family. 

PERFECTION COLLECTIONS XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX / {$4400.00} - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX 10 MONTHS XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - {$3900.00} - XXXX/XXXX/XXXX XXXX XXXX XXXX 6 MONTHS XXXX XXXX, which we found to be a predatory company, offered us a monitoring service which we did not accept and we asked them several times to come and retrieve their equipment, which they never did. After which we discovered these derogatory marks, which we are being told are for medical expenses, have been added to our credit report.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

I review my account online. It states a certain payment for my loans. I receive statements with different amounts and when I pay what the statement says I then receive past-due notices for different amounts. I have only asked them to provide me with a payment and a due date and it is never consistent and I can't get any information regarding repayment of my loans.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I signed up for the {$400.00} Wells Fargo Everyday Checking offer on XX/XX/2019. I've received an email indicating I was eligible for the bonus offer and that within 45 days of meeting requirements I would receive the bonus. I met the bonus requirements of three months of consecutive deposits at the end of XX/XX/2019. Wells Fargo not only did not deposit the bonus within the 45 days, they are now trying to deny me the bonus. I've now spent half an hour of my time talking to them over the phone with no resolution. Not only were my recorded calls unhelpful, I was bounced around to different departments with no end in sight. It seems like Wells Fargo will do anything to get you to open an account, but never follow through with their bonus offers. Last agent indicated I opened an account, but the bonus tag was never applied. That is absolutely fraudulent of Wells Fargo and I can provide the recorded call stating such. 

Case number : XXXX
Consumer complaint received 2017-11-13
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: Experian Information Solutions Inc. (IN)

I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The XXXX XXXX was XXXX XXXX XXXX Mortgage and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX XXXX partial acct # XXXX ... XXXX and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe XXXX, previously XXXX XXXX, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for XXXX and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at XXXX who can only see the same account info in their system that is on my credit report because the account is so old. XXXX, nor the Experian Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a XXXX and 2nd on my home and those were settled. I need proof of what this negative item from  XXXX actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru Experian. There response basically said that " Yes, XXXX settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.
Consumer complaint received 2017-11-13
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: EQUIFAX, INC. (GA)

After reviewing my credit report i seen that i have some unauthorized credit inquiries, i contacted all 3 credit bureaus and placed fraud alert as well as disputed the inquiries, Equifax sent me a letter stating that i need to contact the creditors, i contacted the creditors and received letter from most creditors that the inquiry is fraudlent and will be taken off my credit report, i sent copy of all letters to Equifax and there was no response neither deletion of the inquiries, along with this i received notifications from XXXX that my identity has been sold on black market and as well a notification of unknown attempt of someone signing in into my email, i contacted Equifax again concerned about my identity and inquiring about the fraudulent inquiries and never received any type of response or resolution.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently opened a credit card account. I supplied my P O Box address as my mailing address. Afterwards the two credit reporting agencies made three changes on my credit report. They added the credit card information, removed an address that I had not lived at in almost twenty years. They changed my address to the P O Box. I did not request an address change. This dropped my credi score by over 100 points dropping the status to a poor credit rating. As you are aware creditors can not serve consumers at P O Box addresses for defaulting on credit commitments thus this affects my getting credit, housing, and future employment. Why are the agencies allowed to change an address to a P O Box without the consumers request?
Consumer complaint received 2017-11-13
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. (NY)

On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Meritize Financial Inc. (TX)

XXXX Removed Things From Account Which should have removed all of the deragragotory information still showing and I'm Seeing That They aren't providing the correct credit score either and I just got an adverse letter from Meritze. Nothing In Meritze Letter aligns up with what XXXX is Showing me in my account. 

My XXXX Score is XXXX as of XX/XX/2023 In Adverse Letter From Meritze It says they pulled my credit on XX/XX/2023 and my score is : XXXX as of XX/XX/2023 So why does XXXX XXXX show one score in my XXXX account on my credit report dated XX/XX/2023. 

And another score with totally different score of XXXX and all my old negative account information on Meritze Adverse Letter of Denial.
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am XXXX XXXX XXXX natural person and consumer. I a writing this with no outside influence from a third party. Please review the attach documents to see the issue.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX XXXX,2017 Navy Federal Credit Union Transferred {$710.00} from my savings account to my home improvement loan with out my permission and refused to put it back even after I told them the money was for personal things given to me by my lawyer to live on until about the XXXX of XXXX when my settlement comes in and I intend to pay off my loans in full.