davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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. (GA)

I've sent a dispute letter over 30 days ago asking each bureau to investigate inaccurate reporting. I sent the following disputes for each account on XX/XX/2021. ( U.S. Department of Education ) ( XXXX XXXX ). Failure to remove these accounts have hurt my credit. According to section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. It has been over 30 days and also I've ask for all supporting documents verfiying this alleged debt which was given each bureau 15 days to send supported documents which they have failed to do so.
Consumer complaint received 2021-07-19
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. (NV)

There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-22
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. (OH)

This is my account and not why it's on my credit profile as I have never had account with this financial institution : XXXX  XXXX XXXX  # XXXX Please the support of this account with method of verification some type of binding agreement. 

This is not my account for sure.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

XXXX, my previous mortgage loan servicer, made in error when determining my escrow account payments. They effectively doubled the amount on one of my two tax payments that are required per year. This was done in error in which they aid they were doing an escrow reconciliation. 

I tried to resolve with XXXX. However, they never resolved the issue after I sent them multiple RESPA requests. They subsequently sold my mortgage to LoanCare. 

My mortgage was then sold to LoanCare/XXXX XXXX. I requested the escrow error to then be corrected by LoanCare. I have requested this 4 times. Each time with a denial that did not fix the escrow error nor made any sense based on the status of my account. It seemed that picking any reason to deny the requests was the only action taken. No investigation into the documents or information provided. Each denial made no sense in respect to the information I provided or the current status of my account. 

Since, I made no progress on fixing the escrow error. I then requested that I be able to pay my taxes and insurance myself. Which would also eliminate the overcharges on the escrow. 

The last denial from LoanCare stated that my loan to value ration did not yet exceed 80 %. 

This is also in error. My loan balance is {$190000.00}. The original loan amount was XXXX. My house currently appraises for minimally {$330000.00}. XXXX and XXXX at $ XXXX. Either way, I meet the criteria to pay my own escrow. 

Its very frustrating that I can not get this fixed. My escrow account will be ~ {$8400.00} when the next payment of taxes due XX/XX/2020 is {$3900.00}. 

I am being forced to pay a monthly over payment on escrow of {$310.00}. 

This is my last step in trying to resolve this situation before filing a claim in the Michigan courts. I have tried to resolve this over 7 times between XXXX and LoanCare current mortgage loan servicer. 

Please see attached spreadsheet and screen shots from my account. As well as the last denial letter for me to pay my own escrow. 
First, you can clearly see the escrow error. As it states what LoanCare has to pay for my taxes and the amount they are actually receiving. 

Regardless, I want to eliminate the escrow altogether. 

I want to pay the insurance and taxes myself. I have every right to. No payment has ever been late and my LTV is minimally at 61 % if not better. 

Included documents include spreadsheet showing escrow over payment backed up by screenshots from my Loancare account. Also included is documentation regarding how I never missed any payment.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

Ive reached out to this company. 
This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and applied for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it. This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and apply for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

On XX/XX/2019, Ditech sent me a notice that they had a computer problem and that my payment for XXXX was returned to XXXX XXXX XXXX and to please resubmit the payment. I did so immediately. However they lost the payment and kept saying I was behind and overdue with my monthly payments. I have receive several calls and letters stating such. I called Ditech and explained to them the situation and shared the fact that I have never been late on any payments and was up to date. At their request I had XXXX XXXX XXXX XXXX Ditech proof of payments and XXXX XXXX XXXX manager spoke to them in detail that it was their fault. Finally they got it and said I was correct and that it would be taken care of. It is now the end of XXXX and Ditech still has not corrected the problem and continues to send letters stating that I owe them payments. I have talked to eight different representatives of Ditech and all they do is keep putting off the problem. They are now stating that XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/XXXX. I have proof of payments and XXXX XXXX XXXX has talked to Ditech several times but nothing is being accomplished or resolved.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello there is an open XXXX account for XXXX $ on my credit. I called XXXX and they say it was opened before I even turned XXXX. Its been in my credit since the day I turned XXXX XXXX XXXX. And this isnt something I wouldve or shouldve been able to do.
Consumer complaint received 2019-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I fell for an XXXX scam. The guy convinced me to use XXXX ( which I had never heard of ). When I saw that XXXX was actually integral to my Wells Fargo phone app, I assumed it was legitimate and safe. 


I sent the {$220.00} to the guy, allegedly named XXXX XXXX. " XXXX '' denies receiving the payment and punctuated his denial with an accusation of my " attempted scam ''. He was very smooth, patient, kind until he got the money -- then the fangs suddenly appeared. There is a long communication between us recorded in XXXXXXXX XXXX " messages ''. XXXXXXXX XXXX XXXX user name is " XXXX '' The Wells Fargo / XXXX app confirmed the {$220.00} was sent ( unable to get a screenshot ). Wells Fargo /XXXX does not provide any kind of transaction number. It just says " Payment sent to XXXX XXXX {$220.00} '' nothing more. " XXXX XXXX '' XXXX ID is XXXX I called Wells Fargo and they were unsympathetic, basically telling me I was out of luck. They should be able to verify that the money was received by the payee 's bank, which, combined with the XXXX messages would show that " XXXX '' defrauded me. 
The closest thing I have to documentation is this from my Wells Fargo statement : XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF #  XXXX {$220.00} The XXXX item number is XXXX. After getting my money, he immediately re-listed the item with the same sob story to hook more fish. 


I filed a police report with the XXXX Police Department ( XXXX, Florida ) case number XXXX XXXX XXXX XXXX can do nothing because I paid outside their system, but their record of messages is my only proof of fraud.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I requested by mail a report and score by enclosing a check for {$9.00}. This check was cashed by Trans Union. On XX/XX/2019 I was sent my report with NO SCORE. I called Trans Union on XX/XX/2019 at XXXX and was hung up on three separate times by different representatives while on hold. Each time I called back a different representative took the information over again but could not get me a score I paid for. I felt that I was deliberately getting the run around. 
After all the frustration, I am sending in this complaint. This problem should not happen. Agencies that compiled my data should be accountable for answering my requests for information without me having to contact you.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (PA)

Applied for Apple Credit Card ( Goldman Sachs ) ... was told 2 days later my identity couldn't be verified. Customer support instructed me to re-submit application and make sure info was correct. I did so and the application was under review for over 2 weeks. I reached out to card support once again and was told application was being reviewed. 
That same day ( XX/XX/2019 ) I was approved for account with {$6000.00} limit at 23.79 % interest. 

Today ( XX/XX/2019 ) my account was closed by Goldman Sachs. 
I reached out to card support and they could not give me reason why account was closed. They stated that in my card agreement they reserve the right to close my account at any time. 

Accepting the offer caused a hard inquiry on my credit report. Closing the account has affected my average age of accounts, both negatively affecting my credit score.

I have worked very hard to build my credit score up to XXXX. This is unacceptable to me. 
I have limited credit account history so age of accounts is an important factor. I also have a perfect payment history on all credit accounts and often pay balance in full monthly, and always pay more than minimum payment. 

Thank you
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (FL)

In XXXX, 2015, I called Synchrony Bank, to pay {$190.00} to my Amazon Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. Synchrony refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by Synchrony Bank is unfair and unjust and it violates FCRA.
Consumer complaint received 2022-08-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX ACCOUNT NUMBER- XXXX
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TENET HEALTHCARE CORPORATION (TX)

I have a couple of medical bill from XXXX Medical Center these accts were paid by my medical ins. I never received bills from the hospital for anything!!! All I knew was when I checked my credit report the hospital had sold my information to a collection agency.Now I do have a copy of the Hipaa Law and I know that anytime your medical information is released without your authorization it is a violation of your rights.These are now reporting on all 3 of my credit files and this is not right!
Consumer complaint received 2023-01-30
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-30
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. (FL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Equifax is required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the account which does not belong to me or was opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Equifax shall block 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.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, under creditor 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 an 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 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I purchased a XXXX XXXX card, wanted to test the viability of the product offering ... and this issue is a HUGE strike against the product offering. Strike ONE I loaded {$500.00} on the card and began using it, the card became unusable and I began researching the money loss to discover $ XXXX sitting in pending charges, unrefunded holds on the card... I have made attempts to contact American Express and have gotten nothing but an automated system that doesn't address the problem, nor provide a solution to a problem a computer does not understand. Strike TWO
Consumer complaint received 2020-10-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (CA)

XX/XX/XXXX Dear CFPB I received a notice in the mail concerning a timeshare debt that I am being held accountable for. The timeshare in question was owned by XXXX XXXX XXXX XXXX, my ex-husband and me before we were divorced more than 32 years ago. 

Needless to say I was surprised if not shocked that he is now claiming that this piece of real estate is in my name, if he is claiming that. To make a long story short and simple, in our divorce settlement judgement in XXXX he paid me a lump sum, he kept all five properties, making himself the sole owner of all the properties. 

I am incensed, extremely upset, hurt and even after all these years in disbelief that I am being asked to pay a debt on property that was addressed in the divorce judgement documentation and I never had the pleasure of using. For the more than 32 years I have not lived in, visited, or been aware of. 

I am sure that the records will show that this the property of my ex-husband who is probably worth more than XXXX XXXX dollars, not a XXXX person ( myself ) who is living in subsidize housing and XXXX XXXX XXXX. 

Please review the information attachments that was sent to me, investigate, and then proceed to act based on findings. I assure you that the best chance you have ( we ) at finding the person who is truly responsible, and can pay, is my ex-husband for all fraudulent acts and damages against me. 
Sincerely, Ms. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Started at the beginning of May after the XXXX XXXX XXXX breach. 

XXXX - tried to access my old account with Transunion, website instructed me to request my user information from them via my email. This failed XXXX - followed another instruction on their website to create a new account. Message popped up that there was already an account with Transunion with my email address. 

XXXX ( approx. ) Made several calls to Transunion starting today. Spoke with 4 different agents over the next few days XX/XX/24 - XXXX at Transunion tried to help but it's their website that isn't working She deactivated my 1st account, I created a new account, when I tried to use the new account it changed my password to last XXXX of my social security number. 

XX/XX/24 After several more attempts at calling, I stopped trying out of extreme frustration. 
Today XXXX, XXXX, and XXXX passed me around like a hot potato.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had an account with Bank of America. There was fraudulent activity that occurred in XXXX both with deposits being made into the account and debited from the account. I don't look at my account that often but when I saw what was going on I went to my local bank and explained to the manager what was going on he said that Bank of America put a temporary close on my account. I am XXXX years old and a XXXX in college. My mom was the cosigner in the account because I got the account when I was under XXXX. She has spent hours and days on the phone with representatives from the bank but either got put on hold or got disconnected. Then we got a letter that said the account was closed for no reason. She decided to contact XXXX XXXX XXXX which were given as the reporting agency. In the letter it said that we may not be able to open another account for 5 years. When she got the report it said the account was closed due to check fraud. There was fraud but we are the victims. The Bank never contacted me in person to ask me about my complaint. I don't understand how this could happen to the victim of fraud. My mom was getting a home line of credit to help pay for college and she couldn't open an account at another bank because she cosigned the account years ago. It's not even her account. Please give us some guidance.
Consumer complaint received 2023-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reached out to report unauthorized inquiries to companies I did not recognize on my credit report and they have not removed the inquiries and it is affecting my credit. It not fair that I have to deal with unauthorized use of my credit.