davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

AWA collection Company has a collection laced on my account and I do not have a debt or account with this company. They are collecting a debt that was purchased from the company XXXX XXXX XXXX. I do not owe a balance with XXXX XXXX XXXX The purchase of a debt from another company is unlawful especially when I do not have an account with AWA Collections nor do I Owe a balance. I am requesting the removal of the AWA collection reporting on all credit bureaus. 

AWA COLLECTIONS can be contacted at XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been working extremely hard to raise my credit rating since a major natural disaster flood impacted my family and destroyed my credit in XX/XX/XXXX. Prior my credit was XXXX. Dropped to XXXX. Finally got it to " good '' XXXX in summer XX/XX/XXXX. Suddenly without explanation it dropped to XXXX and Fair rating. I called Transunion immediately after carefully reviewing my credit report and finding nothing wrong. I carefully went over all my credit cards to make sure no problems, none. The balances were lower in XX/XX/XXXX when my rating dropped than when it was higher. Talked to mortgage company, all ok there. Nothing discernible anywhere that would drop my score. Called Transunion again. They said a supervisor would call me back. I rescheduled my work day and waiting in my office for their call. They never did. That happened twice. Called again. Talked to a supervisor 's supervisor. They told me to call XXXX, it was their problem. XXXX said it was Transunion 's problem. Back and forth they sent me. I finally said I would not continue to spend many additional hours on phone. Had spent over 10 hrs talking to Transunion. According to XXXX, my credit utilization percentage is lower, I had no inquiries, no missed payments and an excellent 26 yr length of credit. All good reports. My credits cards are still high from the flood recovery but all are lower than previously when my credit rating was higher? Both Transunion and XXXX would not do anything and could not explain what dropped my score. I finally called you. Pls help me find out what has happened and why? I am about to retire and need to refinance my home to keep my home. I can not do that with a " fair '' credit rating. I have worked diligently to pay all on time.I am XXXX yrs old and am wondering if that is a influencing factor in XXXX and Transunions actions? Thank you, XXXX XXXX
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (FL)

I have recently over paid an outstanding balance on my PNC credit card account and now have a {$1000.00} credit balance. I have contacted them on more than one occasion requesting that they send me a check for the credit balance and they have been giving me the run around for the last 20 days. I initiated the request on XX/XX/2018 and was told that I would receive the check within 7 - 10 business days. When I called back to inquire, I get apologies and no commitment or promise to send me my credit balance. I have called on more than 3 occasions, can I get help with the issue? This is unacceptable, I have outstanding credit and want my money back ASAP.
Consumer complaint received 2022-04-02
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: MARINER FINANCE, LLC (IN)

Account name 1 -MARINER FINANCE 2XXXX XXXX 3 - XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a 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 2021-03-01
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: Experian Information Solutions Inc. (GA)

I have reported to XXXX  and Experian that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted XXXX and Experian notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked XXXX to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that XXXX  remove the unauthorized inquiries from my credit report immediately.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/2020 {$560.00} was taken out of my impound account for no reason given, from Amerihome mortgage company. In XX/XX/2020 when I saw my statement, I saw this error of money taken out. I called them and they told me it was an error and I will be refunded. In XX/XX/2020 no refund arrived. I called back and was told the ( check # XXXX ) was sent out but never cashed. I told them I never received it, they said they will send out a replacement check. In XX/XX/2020 I never received that replacement check, when called back and was told the replacement check would be sent out on XX/XX/2020. Today is XX/XX/2020 and still no replacement check for the {$560.00} that was taken out of my impound account with no explanation ( only calling it misc. and no understanding where that money went ) I would like help in getting back my {$560.00} that was taken wrongfully from my account and I did not agree.
Consumer complaint received 2018-06-20
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)

To whom it may concern : I have check my credit report and I have found an inconsistency on My credit file, inquiries on XX/XX/XXXX from XXXX XXXX ; XXXX XXXX DEALER S ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ), please verify these items by providing sufficient documentation showing that they belong to me, please provide original application with my signature on. According to the section 609 of the FCRA you have to provide one hundred percent accurate and one humdred percent verifiable information or you have to immediately remove this entry from my file. Be aware that law specify {$1000.00} per unverified item on a consumer credit file. 
Thank you in advance for you quick responds.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than XXXX  days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2020-03-22
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. (CA)

Hello, My name is XXXX XXXX, Administrator and owner at XXXX XXXX XXXX, My address is : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On XX/XX/2020 a Solar company showed up on my door steps discussing a possible Solar panel to be installed on my roof. Company name " XXXX '' I was told that we needed to have a Fico score of XXXX  or higher. On the day of the visit I id not provided the company with all the information they required.I was to meet and discuss the details the next day but since the home in question is a Residential facility for the disable children we were instructed by the governor of California to keep all people we do not know at bay. The company was informed of this changes the following day but my Credit was pulled the day of the initial visit without me giving consent. When asked why they reported the inquiry as a loan I was told that they were not aware of this. 

My Fico score went down 13 points as a Hard Inquiry and reported as a loan. 
Sales reps.were XXXX and XXXX, two brothers XXXX. 

XXXX XXXX  XXXX  county District Manager XXXX XXXX Per XXXX  the DM I was told that he would look in to this problem after I provide him with a copy of my Bill from XXXX. California XXXX to see if I am a good fit for their company. 

At this point I am requesting the inquiry will be removed from all credit bureaus and that all my private information will be deleted from their company data for me and my sister XXXX XXXX. We would like a letter in writing stating all of this.
Consumer complaint received 2018-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

This account was removed from my credit report, but has recently been reported again as a new debt. Historically, there were payments made to three separate entities for this same account, but none of those payments are recorded in their system. I contact XXXX, XXXX, and XXXX in XX/XX/2018 to inquire, but they couldn't find me in the system. I was given the name of a law firm to discuss the matter with and upon speaking to them, they have now sent me a collection letter. These companies partake in predatory lending practices. I have requested contracts and other paperwork for my account, but they can't provide those items. These same companies were included in a federal lawsuit for the same reasons that I am experiencing and were ordered to dissolve all accounts. I would like that information.
Consumer complaint received 2018-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Our application for refinancing was submitted XX/XX/XXXX By XXXX XXXX ID : XXXX at the XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. This application was complete and accepted. 

Also as per the copy of the letter you claimed to have sent on XX/XX/XXXX reportedly informing the servicing of our loan being transferred to XXXX XXXX XXXX XXXX All these letters were sent to wrong addresses purposefully or ortherwise. Please attached. 

We state the same for all your correspondence. 

Per section 6 of RESPA if you send a qualified written request, as a consumer I should have received acknowledgement and written correspondence regarding my request. We feel that the requirements of RESPA were not met. As such our rights have been violated.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

I initiated a {$20000.00} balance transfer on XX/XX/2021. On XX/XX/2021 the balance transfer was added to my account and on XX/XX/2021 the balance transfer was removed from my account due to the fact that they claimed I did not pick up a verification phone call. Barclay 's did this all in house. 

They are trying to charge me fees on the balance transfer that I did not receive. See attached credit card statement. 

I have spoken to them twice. The first time they agreed I was correct and agreed to waive the fees but that never happened. Second time they insisted that I did do a balance transfer but could not explain what happened to the money.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Equifax, XXXX  and XXXX  failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrec

t reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit
report or update the late payments to paid as agreed,
Consumer complaint received 2020-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ROC Asset Solutions, LLC (UT)

On XX/XX/XXXX, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. Then, today, XX/XX/XXXX, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number. 

I spoke with him on XX/XX/XXXX and made arrangements to get the debt paid and taken care of. 

I spoke with him again on XX/XX/XXXX when he called my work looking for me again and they forwarded his call to me. I again asked he not call anyone other than myself about this debt and that since I've already made arrangements, he shouldn't keep calling anyway. 

Then, on XX/XX/XXXX I got messages from 2 of my sisters-in-law and my brother-in-law that they had a voicemail from him on their phone from early that morning. The numbers called were XXXX, XXXX, and XXXX, respectively.
Consumer complaint received 2020-05-01
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. (FL)

After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, at around XXXX XXXX, I was going through my bank of America app on  my phone and noticed my checking balance seemed to be missing funds. While I went through my transactions I noticed 2 transactions one on XX/XX/XXXX at XXXX XXXX  for {$1000.00} and another one on XX/XX/XXXX at around XXXX XXXX  for {$1000.00}. Both transactions were via XXXX XXXX  saying I sent somebody that money. I tried to contact XXXX XXXX, but they had no number, and, I could not find a XXXX XXXX email. I quickly notified my bank ( Bank of America ) and put the dispute in. Usually when I have transactions like this my bank n notifies me and makes me verify these transactions. However, I was never asked about these transactions until I saw them. They told this can take up to 90 days. I only have about 1,000 dollars remaining and I have bills and rent that I need to pay. I just want my money back which is rightfully owed to me.
Consumer complaint received 2020-08-20
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. (PA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXXXXXX XXXX XXXX # XXXX This account is unrecognizable. Please remove. 
XXXX XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 
XXXX XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 
XXXX XXXX XXXX # XXXX This account is unrecognizable. Please remove. 
XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2018-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (NY)

I opened this loan in XX/XX/XXXX to help manage an issue that came up it property taxes and to help manage some other debt. In XX/XX/XXXX I came into some serious financial issues with repaying the loan and I wasn't about to come to a resolution with the bank.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX has been posting late payments to my consumer report I have tried to dispute this information for months and many disputes. it's against the law to report credit transactions on a consumer report. According to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Exclusions it states report contains information solely as transactions or experiences between the consumer and the person making the report ; Reporting transactions is illegal.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My 5/3 credit card was stolen and it now has a $ XXXX balance. I 've contacted Fifth Third several times and they ignore me. I am not going to pay for this, as I 've already told them that these charges were not made by me. They send me letters and call me constantly and I always tell them the same - I am NOT paying for transactions I DID NOT MAKE. If they do n't remove these charges and stop the harassment, I will take legal action.
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

On XXXX MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.