davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I 'm filing this complaint against Transunion because they have repeatedly refused to delete an account on my credit report that does n't belong to me, nor have they provided any supporting documentation in any regard that proves that said account has been supposedly " verified '' by the information furnisher and thus belongs to me. They are required by Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act to delete any account that can not be verified. Federal case law also states " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. '' If they are claiming the account was verified, how was it verified? I asked, and they gave no explanation. I asked for an Original Signed Contract, they have provided none. Please help me in resolving this matter, I 'd greatly appreciate it!
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (SC)

AFNI is trying to c ollect a bill from  XXXX   XXXX   XXXX  in the amount of {$440.00} which is incorrect. My assigned acct # wit h AFNI  is  XXXX .  XXXX   XXXX   XXXX  continued to bill me after my request for the service to be cancelled. Then sent this erroneous amount to a collector. THIS IS WRONG!!!!!!
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022, my checking account was charged a total of {$140.00} over-draft fees ; Beginning balance on this date was Beginning Remaining Balance Balance {$160.00} $ ( XXXX ) {$99.00} $ ( XXXX ) {$79.00} $ ( XXXX ) {$52.00} $ ( XXXX ) {$2.00} $ ( XXXX ) $ ( XXXX ) I agree my account was over-drawn when the {$60.00} posted, but Truist Bank charged my 4 times. 

This is " unfair practice '' and Truist Bank should be held liable for the fees and damages. In addition, I was on hold almost a hour, unacceptable customer service.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I combined a home mortgage and a heloc and refinanced with my existing lender Citizens-CCO Mortgage. Closing was Tues XXXX XXXX, 2015. I was told many times that no XXXX XXXX mortgage payment would be needed. 6 days later, on Monday XXXX XXXX, an auto-pay for {$2400.00} was deducted from my checking acct, and applied to the closed loan. The unexpected payment made my checking acct overdraft by {$640.00}. The Loan Officer admitted his error ( that he never cancelled the auto-pay ), and he put in writing that I was due the principle and interest refund. He also said escrows from the closed loan would be refunded in 2-3 wks. On XXXX XXXX, {$2400.00} was wired to my checking acct. ( {$2400.00} is the total of all escrow money held in the closed loan ). The Loan Officer then stopped returning my calls and emails because he focuses on loans, not closings. In XXXX I had 3 meetings with Citizens Managers trying to get my principle and interest returned, but they said no money was owed. The Title Company Manager told me that this problem is common with Citizens-CCO, and that other closings that occurred at the end of the month resulted in customers who were trying to get their " extra payment '' returned too. Then in XX/XX/XXXX the local Citizens people sent my issue up to the Office of the Chairman ( OOTC ) of Citizens Bank. Then I started receiving finance charges due to the overdraft that was caused by the Loan Officers negligence. I reluctantly paid the {$640.00} overdraft funds in order to stop the finance charges from occurring. The OOTC reviewed the situation and in XXXX they said no money is due back because they already sent me the {$2400.00} escrow money. Then in XXXX I supplied documentation again proving I was owed money for the extra payment of principle and interest. Then in XXXX the XXXX replied that they sent me the {$2400.00}, which they now claim was the principle and interest plus 1 days ' worth of interest! So I have 2 letters from the OOTC which directly conflict with each other! If they ca n't figure this out, who can? I wrote to them and asked them to tell me the correct answer because their letters say 2 totally different things, and for the last 2 months they refuse to look at the issue because they say they already addressed it. Frustrating! I have asked for a face to face meeting, I have asked repeatedly for a phone conference to go over the documents, I have great email trails, and documents to prove that money is owed to me. I have spent more than 100 hours working on this, to no avail. I have written nice letters, and I have more recently written stern letters XXXX but always respectful ), trying to get action. I have spoken to experts in the mortgage field that tell me to file a complaint with the CFPB to get action.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-12-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have a mortgage with XXXX XXXX. I had it set up to make automatic payments. XXXX, changed their processor to SLS ( Specialized loan servicing, XXXX ). I contacted this company when my normal payment was not withdrawn. The representative told me that I did not have to make a payment until XX/XX/XXXX. I told them I did not want to accrue interest until then with no payment. I then proceeded to call back as instructed to set up the automatic payments. When a couple of weeks later I received an email stating that the could not find my bank account. Also a letter telling me I was delinquent. ( this all started in XX/XX/XXXX ). Again I verified all my account info and assumed it would work. No such luck again the same process. I called again only to receive another pair of letters. Another call and again the same thing. I called yet again and talked to a person named XXXX, that seemed to know what she was doing, she assured me this would not go on my credit report and investigated the failure to withdraw money from my account. I had been instructed previously to contact my bank as to why and my bank said all the info was correct and the withdrawal would only show account not found if it had been submitted as a savings withdrawal. XXXX said indeed it had been submitted as savings even though in every previous call I had been adamant that it was a checking account. She told me she would call me if there was a problem. This company also records all calls! Well yesterday, XX/XX/XXXX I received a letter stating my mortgage was delinquent ... no for me not trying. I was also told at one point that they use " XXXX XXXX '' for their transactions and did n't take a check. I am beyond frustrated with this company and I have all three payments, XXXX, XXXX, and XXXX in my account and yet another letter making me feel like a deadbeat for nothing that is or has been my fault. I think this company is doing this to accrue interest and cause people grief. A business that ca n't process a simple on line payment that I have never had an issue with can only be interested in their bottom line and nothing else. I told them the last time I called I am going to pay the loan off just to get rid of their poor customer service and threats with no basis letters in XXXX, but I am afraid I will never be able to manage as they can not seem to process a simple transaction. Please help me! I am sure this will also help others as well
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (MT)

I received two summons for two XXXX  XXXX XXXX credit cards from messerli and Kramer. I asked for documentation of these credit cards and they sent me statements with a balance transfer, no indication of card it was transferred from, and also stated they didnt have any electronically signed contract. I asked them if they could send me that and they just kept telling me that if I want anymore information I need to contact a lawyer, they wont provide me with anymore information. I just want to make sure this debt is in fact mine before I pay a debt collector company. I also asked if I could speak to one of their lawyers since the paperwork I received said messerli and Kramer, attorneys at law. She said they dont have any lawyers available and if we want to contact anyone else I need to have a lawyer contact them. I told her to leave a message with one of her lawyers, she said I can try but cant promise anything. One card says opened XXXX of XXXX, and the other opened XXXX of XXXX.
Consumer complaint received 2023-04-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (PA)

On or about Friday XX/XX/2023 I made an attempt to reach out to Wells Fargo concerning my application for Mortgage Assistance was received. However I was misinformed that I put a cease and desists order on the Mortgage Account which is not true. And then later on that day I receives these two documents in the mail stating a new payment amount pertaining to the mortgage. But yet they has my home scheduled for XXXX XXXX on XX/XX/2023. And Im left in suspense because Im willing to pay the new mortgage amount and move on but Wells Fargo refuses to communicates with me
Consumer complaint received 2019-02-28
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. (CA)

Comment TransUnion Continues to report XXXX Account number XXXX on my credit after XXXX  and XXXX  have both deleted this from my credit after the debt could not be validated. I sent all three the same dispute at the same time along with the collection company that owns this debt to have them validate the debt which they could not constitute what meets the Federal Trade Commission guidelines of proper debt validation, so it was deleted. I ask TransUnion to send me prove of how they validated this debt when the other two could not. TransUnion never responded which puts them in violation of the FCRA section 611. TransUnion continues to report this inaccurate information on my credit and claims it has been verified but refuse to show me prove. This account needs to be deleted off my credit. All so XXXX XXXX XXXX XXXX TransUnion is reporting this account that has been bout and sold XXXX times and each time the collection company that owned the debt had to have the debt deleted because the debt was never validated. But for some reason they continue to allow this when I clearly explained to them that this was going on and it should not be allow because these companies can not validate the account they only send the same information that does not meet the XXXX gudelines. These accounts needs to be deleted from my credit.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I disputed the previous address information Equifax has listed. I explained in the dispute that these addresses are not related to me and my current address should be the only on listed. Equifax continues to report this information keeping me exposed to fraud. 
Also I have documents from XXXX stating the account they have listed on my profile should be removed. Please update and delete these items right away.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I was trying to tell Equifax online I have a XXXX balance on a loan. Gave them my correct personal information, and they refused to get me into my records to update the info. I tried three times, received the same inefficiency. This is NOT acceptable for a public agency that handles consumer 's important data. I did not have this trouble with XXXX or XXXX. Equifax needs to improve immediately, or get out of the business.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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 2019-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding has been harassing me about a debt im not aware of i requested validation Per the fdcpa all they could furnish was a statements of itemizations i asked for a document containing my signature they did not provide me with any signed documents i have been in and out of the hospital sense 2015 i have suffered XXXX XXXX XXXX and XXXX XXXX which has not left me unable to XXXX i am now bed written lvnv funding went ahead and took legal action before  properly validating the debt which puts them in violation of the fdcpa and fcra for reporting this on my credit report.i am XXXX years old and i will not tolerate this please send me a contract or signed document of me opening an account with XXXX XXXX XXXX or lvnv funding i dont have a contract with neither of these companies.
Consumer complaint received 2023-06-11
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. (GA)

My credit report is frozen with Equifax. I tried to unfreeze my credit because I need to get credit for a mortgage. I can log into my Equifax account online but every time I try to unfreeze my credit score it tells me I need to call Customer Care at XXXX. I called them at that number and they told me that they could not identify my account using my social security number. They also could not identify my account using my address. I have checked my personal details on their website and I have them all correct in their systems so there is no good reason for not being able to identify me. I asked to speak to a Supervisor who told me the same thing and that I need to mail in a copy of my social security card, my drivers license or a utility bill with my address on it. I asked if I could do this online and he told me I could through a dispute however the website tells me that I can not submit a dispute and need to contact Customer Care at XXXX. The Supervisor told me that it would take up to 30 days to resolve my credit report being locked so I can get new credit. I asked to raise a complaint and he said he would do it for me but I would not receive any notification of the complaint and he did not give me the details for the CFPB, which I found myself on the internet. In summary they broke my ability to unfreeze my credit report and they will not fix it in a timely manner.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I have an dispute with Synchrony Bank since XX/XX/XXXX and I can not come to any conclusion with them and the only reason I open the credit Card account with them and trusted them was because it was offered thru PayPal site at the time I was making a transaction. I opened a credit card account with Synchrony Bank at the time I was making a PayPal transaction. I never received the first card in mail. Between XX/XX/XXXX and XX/XX/XXXX, there was {$1100.00} fraudulent charges ( 12 transactions ) on  the account. The bank offers and advertises {$0.00} Fraud Liability Policy. I have explained to their Fraud department my situation many times and disputed these amounts repeatedly and I have also filed a Police Report and send that to them. They keep putting these charges back on my account and every time I call them I get an representative out of country which tells me they will take care of this and 30 days later I get an letter that I'm responsible for these charges again. I do not know what else to do and I do need your help. They have many similar complaints online. I never had or received the first card, which these charges happened. I only received the second card, which was the replacement card in mail and was activated from my office. This has been explained to them since XX/XX/XXXX repeatedly, was also explained, and send to them on the Police report filed by me. I trusted them since it was on papal site. I am sure many other customers are suffering from this Bank Actions.
Consumer complaint received 2019-02-28
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

XXXX performed an unauthorized inquiry of my credit file on XX/XX/2016. I have a voicemail saying they took it upon themselves to pull my credit. I did not authorize this inquiry, and would be happy to play the voicemail for CFPB or XXXX. I disputed this inquiry, yet XXXX has not removed it from my credit file. During the dispute process ( XX/XX/XXXX ) someone at XXXX made a mistake and switched my current address with my previous address, now the address section of my personal information file at XXXX is incorrect. My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. My previous address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. Until this point, XXXX, along with XXXX and XXXX have been reporting my address correctly ( photo attached ). I have enclosed an XXXX research request form provided by XXXX that has my current address wrong. Also enclosed is my current address as previously reported correctly with all three credit bureaus. Additionally, XXXX utility bills with my correct current address are attached.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit company Transunion is reporting that I have several things on my credit report that is affecting my credit score inasmuch its preventing me from obtaining apartment rentals and the financing of an automobile. The false information that is being reported are evictions, a lien judgment and identity of current addresses that does not reflect my credit history because these places in which are reported are not of any former or current residences.
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (AZ)

I have requested MULTIPLE time from this company to validate this debt which I do not believe I owe and have no knowledge of. I have sent several letters to both the collection agency and also to a " law firm '' whom I believe is n't a law firm but a fake letter meat to look like an attorney I have not received validation nor has this been removed from my credit while its being validated and it has also been disputed with all three credit bureaus with no success. I ask that this be addressed immediately as this has been going on for months.
Consumer complaint received 2015-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

Reporting inaccurate data on my credit report. A XXXX account is showing up on my report with this company listed as the collection agency, I 've requested debt validation and they refuse to send any validation. This account is not mine, instead they keep renewing the date to show as a new debt and never send me validation of the debt. A police report was filed and sent to them and still nothing was done.