davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2018 I certified mailed XXXX XXXX XXXX a section 609 ( a ) ( 1 ) ( A ) Dispute for account #  XXXX Account # XXXX I have patiently waited beyond the federal aloted time. Trans union has failed to provide any verifiable proof of these damaging accounts be accurately reported. I have contacted the accounts being falsely reported and I have been advised to disput through Transunion. I am providing proof of disput and receipt of certified mail with a copy of the notary. Pleas remove these account Immediately under FCRA.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I obtained my credit reports on line. There we re a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.   <P/> My inquiry   to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
<P/>
The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
<P/>
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
<P/>
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2016-10-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

This debt was a workman 's comp issue from XXXX coffee company. I got a XXXX while working from the sanitizer solution used to clean dishes. The XXXX turned into a XXXX XXXX, which then brought me to the emergency room. During my hospital visit I shared this information with the billing departement, there was a claim placed with XXXX and the responsibility for payment was theirs. The Doctor portion of the bill was paid for by XXXX with no issue, however the hospital billing department sent me the bill for the hospital stay portion. I informed them on more than one occasion that this bill was to be paid for by XXXX and informed them to contact the company to receive payment. Almost a year later the debt from my workman 's comp hospital bill was falsely reported on my credit.
Consumer complaint received 2018-07-03
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: WELLS FARGO & COMPANY (FL)

I recently received a copy of my XXXX XXXX report this report was full of so many errors and bank accounts from Wells Fargo that I have absolutely no knowledge of. I filed a complaint with XXXX XXXX whom stated to me that Wells Fargo was the data furnisher of this information falsely reporting on my XXXX XXXX report. I was a victim of identity theft and filed a complaint with the Federal Trade Commission and sent in all notarized documents to XXXX XXXX which were forwarded to Wells Fargo Bank. I requested that XXXX XXXX XXXX remove these false reporting accounts off of my XXXX XXXX report and these accounts are still reporting and reportedly came back verified by Wells Fargo. I've contacted the lawyer 's office handling the Wells Fargo class action lawsuit regarding identity theft victims which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My supporting documents backing my complaint were submitted to the law firm as well. Wells Fargo has listed these following accounts and account numbers in my name. Routing number:XXXX Account numbers : XXXX, XXXX, XXXX, and XXXX. I received two separate letters XX/XX/XXXX from Wells Fargo out of the office of identity theft operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. From XXXX XXXX Department Manager.  Notifying me that I was a victim of identity theft. I've called them several times to resolve this with no answer back. My XXXX XXXX consumer ID number is XXXX. These accounts need to be removed from my early warnings report or I will take further legal action to resolve this if I am not assisted in this matter
Consumer complaint received 2018-07-03
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: EQUIFAX, INC. (MD)

Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing of XXXX XXXX XXXX, XXXX XXXX TX XXXX -telephone ( XXXX ) XXXX. Fax ( XXXX ) XXXX. 
I have a mortgage from this organization. 
They have forced flood insurance on a property which does not require it. 
I have written on 4 occasions pointing out that the latest FEMA map shows the property outside the flood zone. 
OCWEN IGNORS ALL CORRESPONDENCE AND CONTINUES TO CHARGE FORTHIS UNNECCESSARY INSURANCE. 
This is surprising in a company which was the defendant in a class action law suit for forcing insurance and which settled.
Consumer complaint received 2018-05-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC (NY)

Repeated calls from different phone numbers to my parents home phone number and my cell phone number. Latest phone call to my parents was from a number that showed up as pay phone # XXXX with a recording in males voice that states either they are XXXX XXXX   XXXX or XXXX XXXX and they dont ask for anyone by name or state what theyre calling regarding just that if you dont call # XXXX back today that they have no choice but to take matters to the appropriate jurisdiction against you because youve been uncooperative in addressing the legal matters against you. You must make payment arrangements immediately to avoid further prosecution. 
Weve no idea what this is in relation to or who theyre calling for. Weve googled this and apparently its a scam to get you to send them money in some cases illegally and on others its listdd as debt collector who is taking illegal methods to try to solicit money in illegal manner. They switch up the number they call from but continue to call several times a day for a couple months now. Help!
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Avadyne Health Holdings, Inc (IA)

XXXX XXXX XXXX XXXX XXXX have reported collection accounts that are medical bill 's on my credit reports as active collection accounts with a balance due. The accounts were discharged in a chapter XXXX bankruptcy in XXXX XXXX Iowa in XX/XX/XXXX. I have repeatedly sent them copies of the bankruptcy discharge notice from the Federal Courts and they refuse to remove the items from my credit reports. I spoke with XXXX with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX I told XXXX about the accounts and he told me I was correct the balance due on 2 of the accounts were zero and they should not be on my credit report and that they would have the accounts removed. I have had this exact same conversation with XXXX XXXX XXXX accounts on several different occasions yet the collection accounts are still on my credit report. Everytime I contact them I am advised that they update reporting once monthly and they will remove them and it never happens. I have also contacted XXXX on XXXX separate occasions to have this removed from my report and they wont respond to my request at all. XXXX just keeps saying the information I have provided is inaccurate and they are unable to assist me. I've been struggling with this issue for several months. I want the items removed from credit report immediately as they are not active collection accounts, I owe nothing and I'm tired of getting the run around from these two companies. If the items are not removed I will be contacting my attorney to file suit against them both for inaccurate reporting, damages and attempt to continue to collect on debts that have been discharged by the Federal Courts. I would appreciate assistance in getting this matter resolved once and for all.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

Utility company is stated that there is an outstanding amount on an account from 2014 that I had at a previous address. This account was paid in full when the account was closed due to no longer needing service. There was credit on the account for a security deposit that was paid originally, leaving a small portion that was paid over the phone at time of disconnect. This was for the address XXXX XXXX XXXX, XXXX, WV XXXX. I was renting the home at that time for a short period before relocating to XXXX for work. When I received a statement in the mail for XXXX XXXX I immediately contacted them to inquire to this outstanding amount. The statement was for service for a period of time that we did not vacate the home. This was the reason for the immediate concern and spoke with customer service which stated that they see the disconnect and dates that service was disconnected but for some reason service was not disconnected but transferred to another person. I explained that I was not responsible for this amount and they told me that it would be taken care of. I never received any further information from them and assumed it was taken care of. Now this information is on my credit report with a collection agency for the power company. I need this removed civily or I will be forced to file suit against the for fraud.
Consumer complaint received 2018-07-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I received an email from XXXX XXXX ( NMLS ID : XXXX ) at Bank of America with a Closing Worksheet for a XXXX XXXX with 5 % down and no mortgage insurance. On XX/XX/XXXX I received a pre-qualification letter from XXXX for the XXXX XXXX which I used to make an offer on a house. 

After noticing some discrepancies during the closing procedure I made multiple calls and emails to ask why the loan terms had changed but XXXX did not answer. I finally was able to speak to his supervisor, XXXX XXXX ( NMLS ID : XXXX ) who wrote on XX/XX/XXXX : " When you and XXXX initially spoke he did indeed quote you our XXXX XXXX. Unfortunately, the problem with this is that our XXXX XXXX does not allow for a 5 % down payment. It would require a minimum down on 10 %. We should not have sent out that initial worksheet to you as that option on the program is ineligible '' I stated that the 5 % XXXX XXXX information was on publicly available websites and asked why it was being rescinded after I'd used their documentation to make an offer on a home. They stated that it was due to a " soft Housing market in XXXX '' but could not provide written rules about that new regulations. Other mortgage companies in XXXX informed me that it was not a soft market. 

I began looking into options to borrow money to make this higher down payment amount and was told by XXXX XXXX on XX/XX/XXXX that they also needed me to supply more information about my mode of practice so that the underwriter could confirm my eligibility as a XXXX. I stated that I was a fully licensed XXXX XXXX XXXX and employed as XXXX XXXX. They said that they needed to confirm that I was seeing patients. I stated that I was seeing patients and again asked for written documentation of these additional rules and inquired if they required proof of number of hours of patient care from other applicants. I did not receive a reply from that email ( sent over 2 weeks ago ). 

I have uploaded the loan documents but also have copies of all of the emails to provide.
Consumer complaint received 2020-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Yesterday I went online and signed in to Trans Union Agency. That alone took an hour with customer support because the information they had contained so many inaccuracies, I could not verify my identity with them without extreme difficulty. 

I explained the reason for my call was that the credit report they have on me is fraught with incorrect data. I had made perhaps a dozen attempts so sign in online to address this, receiving an error each time. When I called and chose to file a dispute, every time they hung up on me. I then opted to speak with an agent from another department. He transferred me to the disputes team, who hung up on me again. 

My next conversation with them I refused to allow them to make a transfer and for them to contact the department for me. After a long, drawn out session, the service agent admitted they were aware of the problems the disputes department was having but that everything would be solved and I could successfully take care of the problem the next day. Which is today. 

Furthermore, each time I attempt to go to their " Alternative dispute site '' which they demand I do to address the issue ( https : //dispute.transunion.com/dp/dispute/landingPage.jsp? PLACE_CTA=dispute : cta ) my username and password must be reset because it is wrong in their system Nothing has changed, I am still unable to log on to that section of their website. The only disputes they addressed were the numerous incorrect living locations, contact information and employment history. But I am unable to address the real problem, which are the numerous, incorrect accounts they have on file in my name.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AL)

Disputed with company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 according to certified mail. It is now XX/XX/18 and I have not yet heard from company. The FCRA gives the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 XXXX years. 

15 U.S.C. 1681s-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.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/20 I wasnt able to log onto my Chase mobile banking for reason of suspicious activity. I tried calling on XXXX, but the department was already closed. On XXXX I called Chase and was informed that my accounts were being restricted and being closed and would be sending me a cashiers check for the balance in my checking and savings accounts. I also went to Chase to try to get an explanation of why my accounts were being closed and they couldnt tell me. Ive been a value customer for over 25 years. I did make some international wire transfers to help a family member overseas that is stranded there due to COVID-19 for help with attorney and hospital bills as he he was hospitalized while there. Dont know if this has something to do with it. Im extremely  upset that they wont tell me why so I can provide any necessary documents if needed for proof if this is the reason. I really want to continue my relationship with this bank. They wont even let me open another account. I feel I deserve an explanation and remedy the situation if I can. My payroll is direct deposited through them, most of my bill are automatically withdrawn here, along with getting my sons SSI benefits. Ive never had an overdraft on my account or any problems.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

To The CFPB Subject : make a complaint against TD Bank for missing money from XXXX XXXX XXXX. 

Dear sir, I am XXXX XXXX, XXXX of XXXX XXXX XXXX, writing this letter to make a complaint against TD Bank for my missing money. We have a corporate checking account A/c no XXXX on TD bank. last year on XX/XX/2020 to XX/XX/2020, almost {$34000.00} money missing from our corporation account. We visited to Local Branch at TD Bank right away ( XXXX XXXX XXXX XXXX XXXX Ny XXXX ) and they called TD Bank customer service to solve this issue. The Branch Manager promised to give our money back within 2 weeks. They advised us to make a police report and gave it to them. Also they advice us to freeze account & we did. However Hacker broke the frozen account Twice & then manager told us to close the account & open a new one & we did. After that, we visited the local branch many times but they never gave our missing money back! ( {$34000.00} ). They always blamed me ( XXXX XXXX, XXXX of XXXX XXXX ) that I did this transaction even though I always denied this transaction. But, when I verified that I did not do the transaction, they told me they issued a TD bank credit card on behalf of my name. I told them I applied for a credit card which I never received. When I verified the address it was different from my address. The Hacker also hacked my personal email, cell phone number, paid XXXX ticket, made a fake Id with my name which I did not recognize. All these things were leaked by TD Bank, I believe. The detective sent me an email which stated that they found the person and he will be arrested soon. My XXXX XXXX also got hacked, but when I called them they solved the issue right away and gave my money back. Im also letting you know that I did not have any access on XXXX XXXX corporate account, no password no atm card. The hacker played casino with the TD bank credit card and made credit card bill payment through online which I always denied. I am very disappointed in TD Bank. I attached a police report, detective conversation.
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NC)

This is my SECOND complaint filed against LoanCare regarding illegal and unethical escrow account practices. The first time around, LoanCare was illegally maintaining an overage of {$8000.00} in my escrow account as of XX/XX/XXXX after my XXXX taxes were paid. They did issue a refund ( finally after multiple complaints and a CFPB complaint filed. However, they refused to lower the monthly escrow amount. My property taxes are no where near the estimate of {$7500.00} their reps insist they are. XXXX taxes were based upon land only, but I have since received a tax estimate that I sent to LoanCare and they completely ignored. I requested, in writing, another escrow analysis more than a month ago, and did not receive a single response. They were scheduled to do an escrow analysis in XXXX as well and did not complete either. I have left messages and have gotten no response. Nothing! This company is running a completely unethical business and their practices regarding escrow accounts are illegal. After the crisis that arose in XXXX, and the subsequent regulation and legislation that went into effect, I am shocked that LoanCare would even dare to attempt to commit escrow account violations. Consumers have rights, and they simply can not be allowed to ignore their clients and illegally benefit off escrow slush funds. Laws are in place to prevent this. Why and how LoanCare continues to get away with illegal escrow account practices is beyond me.