davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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: I.C. System, Inc. (FL)

XXXX XXXX Incorrectly reporting my fully paid XXXX XXXX XXXX  account with XXXX balance as in collections ; In XXXX and XX/XX/2021, XXXX failed to conduct the required fair investigation and re-investigation of my valid disputes ( with Exhibits ) and delete I C. System ongoing Opened XX/XX/2021 false and bogus {$340.00} XXXX XXXX XXXX/XXXX  collection from my exceptional credit history and files/reports ( FISCO Scores above XXXX to low XXXX ). 

Also as of this date, XXXX and I. C. System refused to provide me notice and/or proof of XXXX XXXX XXXX/XXXX-XXXX  or I. C. System {$340.00} alleged debt. See Attachments.
Consumer complaint received 2018-03-17
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. (TN)

Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

My mortgage was sold 6 times in 6 years. I was supposed to be conventional fixed, but was turned into ARM without my consent, I made a complaint already with you against XXXX mortgage companies. XXXX and Ocwen. Both are on credit scores and are incorrect. Briefly again, XXXX lied to me asked if I could make a payment of {$4000.00} XX/XX/2008. I was told this was to be applied to principal, was not applied to anything, this was my life savings, had hardship with them regarding their lie. XXXX tried to modify without remorse, but firstly, my first mortgage was {$1200.00} w XXXX, sold to XXXX went up to {$1700.00}, I complained, then it went to {$2100.00}. I complained again, they said this is last time at {$1500.00}. Afterwards, sold immediately to AHMS American Home Mortgage Services, all this time I never received welcome packets or payment stubs from any mortgage company. At XXXX time, I had no idea who was my mortgage company. XXXX, was an extreme hardship. I tried to modify several times, to no avail, I have recording of conversations, they would NOT work with me at all. Never received welcome packet or payment stubs. Sold to XXXX Bank whom turned around and sold it to Ocwen loan servicing co. for XXXX XXXX, XXXX. A loan rep, XXXX XXXX, told me I was not in foreclosure. I am XXXX due to a car accident. Ocwen told me I should do a deed-in-luei, ( referring to car accident, because of no modification I could not afford paymentso I was told ) " this will not go on your credit report '', I was told by XXXX XXXX. FEMA seized my house due to more than XXXX % substantially damaged home from Hurricane XXXX. I had flood insurance. To no avail, I have no home, I sent you the final payout document from Ocwen, I do not understand why I was not treated professionally.
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

Ocwen Loan Servicing , LLC, has reported to the credit bureau, that I am continuous latewith my mortgage payment. There by damaging my credit rating. I have not been latein making my payments. I would like them to remove the late statements.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX XXXX every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX Begin investigation on the following : date of last activity, account number, and account name. There is a possibility this information may be inaccurate. This must be removed immediately. I also think that this belongs to a person with a similar name as mine. It has not been investigated properly. 

XXXX XXXX XXXX I am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please review the amount, docket number, court name and type of public record I believe it violates the FCRA. Please remove this public record for violating the Fair Credit Reporting Act. See documentation where this is an invalid lien on my credit report from the Georgia Department of Revenue.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I logged into our Wells Fargo Joint Checking Account and noticed numerous high dollar amounts were charged to my husband 's debit card. There were websites I hadn't heard of and there were large amounts taken out from stores that my husband doesn't shop at ( such as XXXX XXXX XXXXhe 's not a member ). When I asked him about all of these charges, he confirmed he had not made these purchases nor did he authorize them. He immediately called to report it to Wells Fargo and received a claim number # XXXX. Both his debit card and mine were cancelled that day on XX/XX/XXXX. We received a letter in the mail that was dated XX/XX/XXXX ( XXXX calendar days after our claim had been submitted ) stating " We have completed our research of your inquiry about charges of {$10000.00} on your account. Based on the information available to us, we have determined the transaction was authorized or that a processing error did not occur. Please consider your claim closed. '' In addition to this $ XXXX, an additional {$2900.00} was charged AFTER our cards were cancelled. I called Wells Fargo to dispute the denied claim but was again denied because they said the claim is closed. I told them of the additional charges and wanted to open another claim. The representative told me that those additional charges were included in the first claim!! How I asked? He tells me that the original claim actually had over XXXX XXXX on it, but that is not what the letter we received indicated. 
We never received notification from Wells Fargo, such as an alert about whether we authorized these amounts when they were posted to our account. The only notification that clued me in was Wells Fargo had already dipped into our Overdraft Protection and charged us fees ( {$450.00} in fees ). These large transactions all happened within a 7-10 day window and I was triggered by how quickly our bank account had depleted and that is what prompted me to dig further. My husband has been a Wells Fargo customer since XXXX and I have been since XXXX. It's disheartening to know that this is how they treat long time customers. Our hard earned money was stolen from us and they have the nerve to do nothing to help us let alone nothing to protect us from this occurring in the first place!
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northeast Collection Bureau (MA)

Last negative report date was XXXX, XXXX 2022 and the account in question is about 5 years 2 months old from that date, I checked the address for the debt collection agency, XXXX XXXX XXXX, # XXXX is no longer in business and the XXXX  has it as a non accredited business.
Consumer complaint received 2016-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

Lost job loan went into default as I was securing stable employment. I requested loan consolidation during that process was immediately garnished by providing updated contact information. Consolidation was completed on XXXX/XXXX/2016 closing account with XXXX XXXX XXXX. However my employer did not receive release for garnishment until XXXX/XXXX/2016 therefore additional {$430.00} was garnished and sent to XXXX XXXX XXXX which subtracted an {$84.00} amount after account their account was closed Then sent {$340.00} to XXXX which I was told during various communications that payment would take care of XXXX payments. In this on going fiasco, and attempting due diligence to ensure my loan servicing agency receives this payment. Today was informed I 'm still responsible for my new monthly payment following their receipt of the of the {$340.00}. I am perplexed with the operation for these agencies, lack of consistent accountability of funds paid to date and miscommunications, misinformation of the agencies policy, release of information of personal accounting. If this were a financial institution providing a customer oriented service I would not do business with these entities. My request is accountable and consistent information across all agencies involved as it appears these agencies are profiteering off this federally program.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NV)

After identity theft occurred ( and a police report was filed ) we placed a " Fraud Alert '' with the XXXX credit reporting agencies, and ordered credit reports to see what information was in them. EXPERIAN THEN MAILED OUR CREDIT REPORT TO THE IDENTITY THIEF 'S ADDRESS INSTEAD OF OUR CORRECT ADDRESS! THE THIEVES NOW HAVE ALL OF OUR ACCOUNTS AND PERSONAL INFORMATION! WE JUST CALLED EXPERIAN, AND THEY ARE VERY SORRY, BUT CAN NOT DO ANYTHING ABOUT IT! THEY NEED TO BE PUNISHED! SORRY IS NOT ENOUGH!
Consumer complaint received 2022-09-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (NJ)

the account MEDICAL DATA SYSTEMS for XXXX is unknown to me, also the the account medical revenue systems is clear violation of XXXX HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (NC)

In XX/XX/XXXX I contacted my mortgage company SunTrust to inquire about refinancing because I had moved into my rental townhouse which was now my primary residence. I received an estimate and was told I would have no closing costs and only would need to bring that month 's payment ( XX/XX/XXXX ) to closing. Later they came back saying I needed a {$500.00} appraisal which I paid for. Throughout the process they repeatedly asked for documents I had already given them and even up until last week, I was still being asked where I lived! After much delay and XXXX I finally was given a closing date of XX/XX/XXXX. Today, after I asked for the cost to close, I was sent a revised estimate of {$5000.00}! I was told they had originally done the estimate with my townhouse as a single family home. The appraisal clearly stated as did ALL other documentation that my residence is not a single family home. It is no longer worth doing the refinancing at all and all they can say after every mistake they have made is " sorry ''. I wasted {$600.00} in fees to date.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I 've sent Experian XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Experian takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MSW Capital, LLC (IN)

My husband and I are in the process of buying a house, we were told by the lender that I have a judgement against me that needs to be taken care of before we could proceed. I was initially informed about this debt on XX/XX/XXXX by my lender. Through a little digging, we found out that XXXX XXXX XXXX filed a case against me for debt collection. When I called XXXX on XX/XX/XXXX, I asked what the debt was for and was told that it was for medication that was ordered and the amount owed, according to their records was {$2000.00}. My husband nor I are on any type of medication and relayed that information to the man who answered the phone. He then hung up on me, I called back 3 more times, only to be hung up on every time. I tried calling on XX/XX/XXXX to see if I could speak to someone who could help me, and each time I called, the rep hung up on me. 
I then contacted the local court in XXXX, IN and went in to find out what exactly was against me. I was told that there was a judgement, case # : XXXX filed in XXXX IN courts filed on XX/XX/XXXX in the amount of {$2000.00}. I tried contacting the attorney that the clerks office told me to contact, XXXX XXXX XXXX phone # : ( XXXX ) XXXX, and was told they have no case against me. I then asked what I was supposed to do, and was told that it needed to be handled through the court system. 
On XX/XX/XXXX I went back to the clerks office in XXXX IN again, the attorney on record was XXXX XXXX, phone # : ( XXXX ) XXXX which directs me to XXXX XXXX XXXX. I called and spoke to a secretary ( I believe her name was XXXX ) and was told that they have no record of my case and that the attorney 's office does not handle cases of that nature. I asked if I could possibly get something in writing because we were trying to close on a house, and was told that her attorney 's will not allow them to send out letters of that nature because it is considered " misinformation ''. I asked if she could speak to one of them because if I could not get this removed, it means we will not be able to acquire a loan. She explained that there was nothing that she could do for me. 
I contacted the XXXX XXXX office by phone XXXX XXXX XXXX XXXX on XX/XX/XXXX to see about appearing before a judge to have this information removed from my record. I was told that I could come in and file paperwork, but the soonest that I could get in would be late XXXX or early XXXX. 
I do not know what this debt is for, and am willing to pay it if I am liable for it, but can not find anyone who can give me any information. The XXXX XXXX office said that the records show I was served papers several time, but I never received anything regarding any debt owed. We are about to lose this house and do not know what to do from here.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed the tax lien from XXXX office in the state XXXX to credit reporting agencies. It was filed in error. It was for unpaid taxes for the year of XXXX. I do not owe any taxes to the state XXXX because I am not a legal resident XXXX. I am XXXX military and a legal resident XXXX, which is who I pay my taxes to. It was because of me having an XXXX address that had triggered that. I submitted all supporting documentation and it still was not deleted. I received the copy of my credit report from Transunion on XXXX XXXX XXXX that was generated on XXXX XXXX XXXX. It has been removed from my XXXX report and I am still awaiting an answer from XXXX. Please remove this from my report.
Consumer complaint received 2018-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AL)

XXXX XXXX failed to pay my homeowners insurance which was due XX/XX/2018. On that same date they sent a letter threatening to buy more  expensive insurance for me if I couldnt immediately provide evidence of insurance. 
I confirmed that the money for the payment was withdrawn from escrow by looking at my mortgage payment history on-line. I confirmed with the insurance company that they had not received payment. I paid for the insurance myself and provided evidence of insurance to Cardinal. The evidence of insurance was confirmed to be adequate for Cardinals purposes by a Cardinal customer support representative.
Consumer complaint received 2022-09-05
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. (SC)

XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via 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 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.
Consumer complaint received 2016-12-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (MI)

My home were scammed from me by XXXX XXXX an XXXX and realator XXXX XXXX XXXX now known as XXXX. They both came to my home XX/XX/XXXX and produced a quit claim deed XX/XX/XXXX and a covenant deed XX/XX/XXXX pressing me to move out called the police. XXXX XXXX said she represented wells fargo and XXXX. XXXX XXXX said he bought the property for XXXX he and his daughter XXXX. Did wells play any role in this transaction. XXXX in XXXX have stated they were not involved.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (IN)

My husband and I filed a XXXX XXXX XXXX over five years ago. The mortgage was not included in the filing of the XXXX XXXX. We paid the mortgage separate from the bankruptcy payment. This bankruptcy has been discharged. Rocket Mortgage/Quicken Loans has been notified multiple times of the discharge and asked to correct what is listed on my credit report. I recently filed a dispute in reference to their report to the credit bureau that my account is " Closed '' and " Potentially Negative ''. All payments were made on time and correct amount to our mortgage during the bankruptcy. They have reported XXXX payment made. The response from their company to my dispute was " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. ''
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Please remove the following alerts from all three of my credit reports : XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & 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 XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX Docket # XXXX was filed in XXXX XXXX XXXX and discharged XX/XX/XXXX
Consumer complaint received 2015-11-23
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA (IA)

XXXX XXXX representing XXXX XXXX called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.