davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Account : XXXX XXXX. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-30
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: Experian Information Solutions Inc. (TX)

Reference XXXX Experian is asking me to send in documents. They have my address as I just called them and asked. 

More stall tactics from experian.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (IN)

THIS IS A XXXX ACCOUNT THAT WAS OPENED UNDER MY NAME ILLEGALLY WHEN I WAS A MINOR. IT IS AN ALABAMA ACCOUNT AND I HAVE NEVER RESIDED IN ALABAMA.
Consumer complaint received 2019-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (GA)

The account with XXXX XXXX XXXX XXXX in the amount of XXXX was closed due to repossession on XX/XX/2017 and I would like for the tradeline to be remove or deletes from my credit report..
Consumer complaint received 2018-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (AK)

MidAmerica mortgage is my servicer for my mortgage. They charge a fee for paying online that begins on the XX/XX/XXXX and the fee goes up the closer to the XX/XX/XXXX you make your payment. Due to this I mail my mortgage payment to them as I dont want to be charged {$4.00} plus for online payments. 
In XX/XX/XXXX I mailed my payment and didnt see the check clear. I emailed the XX/XX/XXXX as I didnt want to incur a late fee. To date I have not gotten a response. The check cleared my bank account on XX/XX/XXXX. The back of the check says their bank ( XXXX XXXX ) received the check on XX/XX/XXXX. MidAmerica did not post my mortgage payment to my account, according to my online account, on XX/XX/XXXX. I received a delinquent notice today ( XX/XX/XXXX ) that shows I have a late payment of {$41.00} due. Also today I received my mortgage coupon that shows I owe two payments for a total of {$2500.00}, which also includes the late fee. This is not the first time they have not posted my payment on the day they actually received it but this is the first time they have tried charging me a late fee. If their bank received my check on the XX/XX/XXXX I shouldnt be charged the late fee as I have until then according to every mortgage payment I have received from them. 
The first attachment is where they show the payment being applied on XX/XX/XXXX and the second attachment shows the back of the check with a date received of XX/XX/XXXX.
Consumer complaint received 2018-06-06
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Live Well Financial, Inc. (CA)

Reverse Mortgage on my property was scammed by a criminal posing as an FBI agent. 
The amount that was due in XXXX was taken away by telling me that I had won an award that taxes had to b paid to agents of the FBI. The mortgage company should never have released the funds because the safe guards were not observed.
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (IL)

Dated XXXX I received notice from Steller Recovery as well as phone calls in regards to an alleged amount owed of {$1100.00}. I sent a dispute notice for validation of debt in XXXX 2016 but never received response. They failed to send me validation of this debt. Steller is currently reporting to all XXXX credit reporting agencies of the alleged debt.
Consumer complaint received 2022-09-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Today. XX/XX/2022 XXXX pm Received call from XXXX Caller stated they were from TransWorld Systems Incorporated and they asked for my name. They stated they were trying to collect the debt from XXXX XXXX XXXX. 
This debt has gone through 5 different collectors and paperwork was submitted 5 separate times via certified mail, that this debt is not mine and that it belongs to a deceased person 20 years ago. This company is abusing its power and misrepresenting themselves and their power to attempt to collect monies that are not owed to them. Please regulate them.
Consumer complaint received 2019-02-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

I got a letter from a collection agency on XX/XX//19 called XXXX XXXX XXXX. I have never heard of this loan and think it's fraud or identity theft. I've never seen a bill for it & it's never been on my credit reports. I called Navient & and they said they would mail a promissory note but that proves that money is owed, not that i took out the money. I want to see proof i signed for this loan, something with my signature on it proving i took out this loan. For all i know it's internet crime and i don't owe them anything. I want proof that i can see with my signature saying i took this loan out & it went towards my college education.
Consumer complaint received 2018-02-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Received a title loan form XXXX, in meantime my car was totaled. XXXX was informed and repossessed the car. Was sold at auction, and status or amount still owed has never been tallied or given to myself after several requests. nor can i get accurate info when calling
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (SC)

I've tried to have my Equifax credit report pulled by multiple companies. ( XXXX, XXXX XXXX and XXXX XXXX and none of these companies are able to pull my report of see my score. Ive contacted Equifax numerous times and they can't see where there is a hold or fraud alert on my account.
Consumer complaint received 2022-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery associates , LLC has been calling and harassing me nearly everyday, and multiple times per day most days to recover a debt that I have disputed due to no knowledge of account. I have asked them to please stop calling me, and when they refused, I told them I would block their number as I have no business with them. They continued to call, always from another number. At this point I have had to block at least 10-15 different numbers in my phone. I just recently received a letter from them in the mail as well, stating how much they are asking from me with options to pay. The letter has all options of where to send payments, address, phone number ect. At the end of the notice there is no list of any of my rights as a consumer, no explanation of how to dispute, other than directly with their company. Also states that they have no California license.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Data Search NY, Inc. (NV)

This debt was included in the bankruptcy and it was discharge ; however, this debt is still reflecting in my credit bureau reporting as Open from XXXX XXXX XXXX XXXX. Also, since the debt was discharged by the FCRA the debt can not be reporting twice as Collection and Bankruptcy. On my other credit bureau agencies ( XXXX and XXXX ) it was removed as a Collection since it was part of the Bankruptcy. I want this removed from my credit bureau reporting in XXXX because It can not be reporting twice
Consumer complaint received 2021-10-04
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. (NC)

XX/XX/XXXX I entered into a 12 month covid relief plan over phone with XXXX in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a XXXX XXXX XXXX fighting XXXX  and had not been home in months. I contacted XXXX and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that XXXX insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I had a credit card with Costco /Citibank once in a while I use the card at XXXX but then I stopped because I preferred to shop at XXXX XXXX XXXX. Paid the minimum charges every month without any problems. Then the pandemic hit us which caused a lot of financial headaches for me as I am a full time caregiver to my wife who is a XXXX survivor but had a XXXX and now she is permanently XXXX. Fast forward I was behind in paying some of my bills to point that I reached out to some of the creditors and made arrangement and paid but then when I reached out to Citi I was told my account was closed and that I will contacted by another company. When I asked why, I was told that I was late in paying my balance of which it came as shock to me when I was told I owed over {$2000.00}! That was a red flag but they could not help me at all. So I believe I am victim of identity theft. I did not spend that much on that credit card with Citi.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-23
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC (VA)

I agreed to settle a debt to XXXX XXXX via their counsel, Levy Law Llc. Due to well documented malfeasance by the person at XXXX XXXX I was dealing with, I overpaid the settlement amount by ~ {$5000.00}. I overpaid because they wouldnt take my payment and I thought they were going to accept my settlement money and sue me for the remainder anyway, so I was going to try to pay the balance in full, about $ XXXX. 

I didnt think they should be able to go back on our agreement, so I reported them here and they agreed to honor the agreement, I have it in writing, and refund me my ~ {$5000.00}. 

It has been many weeks, and I think they arent going to send me my money. The guy just keeps saying that the checks in the mail but nothing ever comes. Hes stopped replying to my emails now too. 

I have a XXXX XXXX XXXX and suffer from a bad heat resulting in a change in personality that they are trying to exploit an imbecile. 

Also, XXXX XXXX wont update my account to say I paid it as agreed. They reported to the credit bureaus that I made a payment on my account, but I still owe a balance, which isnt true. They are reporting false information about people which I think is slander and they should be fined {>= $1,000,000} for it.
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc (TX)

I had a debt collector call my place of employment on XX/XX/2018 in reference to a debt that does not match my records. This is an old debt from over a decade ago that has been resold so many times that I can't actually find out who owns it now because they have all lost the paperwork. 

I told them that it was illegal to contact me at my place of employment ( my employer has a no personal calls policy that I can be fired for if I violate ) The caller insisted that it was not illegal for them to call me at work. 

I told them that the Fair Debt Collection Practices Act prohibits them from calling my place of work if they have such a policy but was again told it was not illegal for them to call me. Which is a complete untruth. 

I then told them I have the ability to sue for violations of this Act and I ended the call.
Consumer complaint received 2016-12-13
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (CA)

Somehow my number was stolen and used to purchase merchandise online. I immediately noticed the charge and tried to call to get it figured out. I get my social security survivor benefits through Direct Express, and as far as I can tell so does anyone else who does n't do direct deposit. My issue with this company is that they have only one way to get a hold of them, one phone number. I am on day 12 of trying to get this money back that was stolen from me. I call every single day, at least 3 times, and the automated operator who comes on when they transfer you to a tier XXXX agent, just says it 's too busy, call back later, and hangs up. I have only made it through twice, and that did n't go well. They re saying it will be at least 8 weeks to refund the money back to my account. I do n't understand why they have that right, I feel like i 'm being victimized by them, I have had no help whatsoever in this matter. I even got the address to where the stolen merchandise was sent, and they don, t care, did n't want the info.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IN)

I had a payment for services deposited with PayPal on XX/XX/2021 for {$250.00}. The funds were held until XX/XX/2021 when they sent an internal message that the account was closed for violation of the user agreement. They said also that I wouldn't get my money for another 180 days.
Consumer complaint received 2021-07-09
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. (NC)

I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (PA)

I disputed the charge wit key bank twice they gave the money back twice and took it again after they told me to shut my account down and make a new one to solve the problem! I have XXXX kids and aint working they took my last i Just want it back
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Someone Fraudulently applied for a vehicle loan in my name. Ive explained to them that I faced Identity theft and someone has been using my name for the past 4-5 years. I have been trying to get this account removed for the longest, but nothing changed. only XXXX XXXX removed the account. It isn't fair that I am being held liable for debt that was acquired by someone else fraudulently.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I am writing now in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a crucial part in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

Due to impacts from COVID19 I took advantage of a forbearance opportunity with my primary home mortgage company : Amerihome. I have been trying to get off of forebearance for a month now, so the mortgage can be refinanced through a different provider. Amerihome has delayed providing me the necessary support to accomplish this ask resulting in multiple follow-up phone calls to them daily and sometimes twice daily. There is no opportunity to address my concerns with a supervisor unless I wait 48 hours. Representatives promise actions and fail to take them. Most recently Ms XXXX ID # XXXX explicitly statued that she would submit a request for a deferral on my unpaid ( forbearance ) balance - I was promised a phone call with confirmation - which was not received. called back today and spoke to another women who confirmed the Deferment as never submitted by Ms. XXXX - thus loosing another 2 days in my attempt to move forward with re-fi. I am at risk now of losing my locked rate because it has been over 10 days and to date I have not been able to obtain a letter from Amerihome that indicates my forbearance is over. If rates go up, this could mean thousands of dollars to me and my family. Please call me to discuss XXXX XXXX XXXX