davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked TRANSUNION numerous times to provide how they validated the alleged debt. I have asked XXXX to provide me the original contract with my wet signature on it and how they verified this alleged debt. 

I as the ORIGINAL CREDITOR DO NOT VAILD THIS DEBT AND I DEMAND THIS IS REMOVED FROM MY CREDIT REPORT. 

TRANSUNION IS VIOLATING MY RIGHTS BY NOT PROVIDING ME THIS INFORMATION. 


THIS IS XXXX XXXX XXXX YOU HAVE MY AUTHORIZATION TO INVESTIGATE CFPB, CAN YOU LOOK INTO THIS? 
I WILL ALSO REACH OUT TO THE FTC AND XXXX
Consumer complaint received 2021-04-05
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. (VA)

I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Ive asked Experian, XXXX  and XXXX  to take my XXXX account out of Dispute. It continues to be in dispute and everytime I call to get it removed it lowers my credit score. The account should not be on my credit report at all 32A district court dismissed this case
Consumer complaint received 2020-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (WA)

CCS Collections has reported adverse information on my credit report with the three reporting agencies. I have never heard of this company nor have they attempted to contact me in any way ; by phone, mail, etc. They have not given me the right to request verification of this debt and/or dispute this debt.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IL)

Hello, my name is XXXX XXXX XXXX. i invested into cryptocurrency and i use Binance.US exchange to make trades. i lost my crypto currency because of not putting/wrong memo. but they have assurance that they can recover my asset back to my binance.US wallet exchange. i submit already a ticket to binance.US customer service they keep telling me this " Thank you again for your patience with this process. Unfortunately, no memo refunds are taking longer than usual to process ; thus, there is no ETA. Rest assured, you will receive them as soon as possible. We will let you know once the assets have been refunded to your wallet address ''. 

the only make me angry about it is that in their Frequent ask Question about recovering asset they advertise/posted that it only take XXXX businesss day for the recovery of our funds. yet, now it's been XXXX month and still didn't get any progress or exact day/time. Binance.US have alot of angry customer. alot of issue they didn't resolve it. i hope you take action for this. i submitted a ticket to their customer service which is my ticket # XXXX XXXX ) and my email : XXXX XXXX
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

A total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart DC, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report. The Paypal and Amazon accounts were sold XXXX, and they are harassing me for payment. These accounts are not mine!
Consumer complaint received 2023-01-11
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: Resurgent Capital Services L.P. (KS)

Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX individual charges for the same thing XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

Your categories do not address my needs, which is no surprise. Why not have a category for cancel immoral, illegal, unjust, capitalized usury? I have paid {$69000.00} for the last 23 years on time, I only borrowed {$34000.00}. I am requesting and have requested ( begged ) via Navient and the Department of Education Ombudsman that the rest of the usury amount showing owed be canceled. I requested a copy of the phone calls I made on XX/XX/XXXX, they advised I need a court order or must hire an attorney. Really!!?? Incur more expense and time dealing with a loan I have paid for twice? Navient is one of the main reasons that Americans no longer have ANY trust in the so-called system. It is rigged by greed from top to bottom. Navient 's agents and supervisors are merely hired gatekeepers without a good moral compass. They and the Department of Education hide behind complex laws and regulations that they bribed legislators to pass. This is the height of evil. If you all are just playing with people and pretending to protect consumers, you are also evil. If you send me a scripted response instead of actually meting out justice, it will prove my case. I have paid what I borrowed TWICE. The right thing to do would be to just cancel the rest and move on. The government via Navient and it's pawns wants to enslave me for life. My loan was consolidated in XXXX, 27 years ago, I originally borrowed in XXXX, 36 years ago!!!! I was in school full time from XXXX getting a Ph.D. Unfortunately, that was a mistake on my part, believing in the so called American Dream. But, I have paid a VERY high price for this mistake already, and should not pay another day!!! You people will not get away with this financial genocide that you are perpetuating on Americans like myself. From this day forward, every dollar that is exhorted from me via usury and capitalized usury added to my original amount will be a mark against this government, because it is rooted in systemic elitism that is encoded within labyrinth student loan laws. The government has not fooled us! I don't care how many laws and lies you throw my way, they are all UNJUST. Every dollar that I pay going forward will also be blood money on your hands because you are not working hard enough, boldly enough, or courageously enough to do the right thing. Lastly, one of Navient 's supervisors even laughed at me while I was crying. That's OK. It demonstrated to me how right I actually have been about the systemic corruption, systemic elitism, and for those of us who are XXXX systemic racism. I will WIN in the end because I have done the right thing. The government can hide behind unjust laws, Jim Crow Codes and Regulations, and deceive itself forever. Rest assured that it will be amusing conversation to the XXXX, but it is not amusing to me!
Consumer complaint received 2017-09-19
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: EQUIFAX, INC. (CA)

This is a complaint about the Equifax data breach. Through no actions of my own, I find my personal information compromised due to the negligence of Equifax 's cyber security which has placed myself and millions of other Americans at risk. 

This will be a lifetime of headaches with dealing with protecting my credit information. I wanted to submit a complaint in light of this stress and for whatever future loop holes I may end up going through due to this data breach.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2020-12-08
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. (NY)

On my credit report I have the following account reporting XXXX XXXX  Account # XXXX. I have no idea what this may be. I have reached out to XXXX XXXX to which they never responded with any documentation showing what this is and more details on this account.
Consumer complaint received 2021-01-23
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: WAKEFIELD & ASSOCIATES, INC. (OH)

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! WAKEFIELD & ASSOCIATES had put the account back on my credit report under another corporation name ( REVENUE RECOVERY ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( WAKEFIELD & ASSOCIATES ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSOXX/XX/XXXXIS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!! THEY ARE IN VIOLATION OF 15 U.S.CODE 1692B AND 15 U.S.CODE 1692G
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I recently refinanced my mortgage with AmeriSave mortgage corporation MNLS ID XXXX. My loan originator was XXXX XXXX MNLS ID XXXX. The pertinent dates are XX/XX/XXXX through XX/XX/XXXX ( loan closed ). The basis for this complaint is transparency with lending fees and bait n switch with fees disclosed from initial fee arrangement to closing. Pertinent communications are attached to this compliant. 

On XX/XX/XXXX I initiated a 25-year mortgage refinance. XXXX provided documentation that the lender fees would be {$1200.00} and XXXX agreed to lower the lender fee from {$1200.00} to {$720.00} - a savings of {$500.00}. XXXX shared that those fees would not be subject to change. Please note the {$1200.00} figure was not consistent with the online quote site but it was close. 

Approximately a week prior to close I received several loan disclosure forms with lender fees much greater than originally agreed to. The first loan disclosure discrepancy I spoke with the loan processor who was able to access the original lender fee documentation provided by XXXX ... my loan processor referred the issue back to XXXX. XXXX proceeded to ask me to forward the documentation I had as evidence of the lender fee agreement despite this information being available to him through his own company documentation of my file. He proceeded to discuss the discrepancy with his manager. A revised loan disclosure was prepared with lender fees much higher than our original agreement. I responded to XXXX for an explanation and he said he would investigate. A third disclosure through email which again was inconsistent with our original discussion was received. XXXX shared I was getting a great deal by only paying a lender fee of {$1200.00} ( which is the lender fee posted on the site originally ). XXXX shared he made an error with his original estimate. 

All of this concerns me from a process and company integrity perspective. First, if I did nothing how much would I have over paid based on that first disclosure ... how many other consumers who might be less informed and more vulnerable be over paying. Second, why is the organization not honoring their agreed to lender fees. Based on the lender fee agreement on XX/XX/XXXX to XX/XX/XXXX the fee jumped 70 %. That should not be within any tolerance standards for a company ... let alone should a consumer experience that sort of disparity.
Consumer complaint received 2019-03-05
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. (NY)

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 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive asked XXXX, XXXX  and TransUnion to take my XXXX account out of Dispute. It continues to be in dispute and everytime I call to get it removed it lowers my credit score. The account should not be on my credit report at all 32A district court dismissed this case
Consumer complaint received 2019-03-05
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. (NY)

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 2021-04-02
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I had a student loan with Wells Fargo until they recently switched to XXXX XXXX. They inaccurately reported that I was past due over {$10000.00} resulting in my credit score dropping 50 points over night. They were sending past due notices to the incorrect address as well as had my name incorrect. I randomly picked up the phone XXXX day from a XXXX number and found out I was past due on my account even though I was in forbearance due to Covid-19. I immediately made a payment so they wouldnt send me to collections. I then made a second payment, bringing my last due amount to around {$300.00}. I called and asked if I could wait to make a payment since they no longer owned my loan. I didnt feel right paying them when I would be paying a new company 2 days later. That night, I received a notification that they said I was past due {$10000.00}. Its completely inaccurate and they refuse to change it, even though they dont even own my loan anymore. They tacked on several late fees all without my knowledge. They said they attempted to contact me but I received nothing. I asked for address and name updates, all of which they said they did and I still received nothing to indicate I was past due. It has ruined me financially and they refuse to work with me.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (PA)

The below information is being reported to my credit report and is not correct. The company also has broken HIPPA rules by disclosing private health information to the public. I do not owe this company any money, I requested information and signed itemized invoicing to prove such amount owed. Too date nothing has been sent and adverse information is being reported to my credit report.

ADVERSE ACCOUNTS Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.

RECEIVABLES MANAGEMENT PARTNERS LLC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$190.00} Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Past Due : {$190.00} Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION<
Consumer complaint received 2021-09-20
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. (MI)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I need a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I had four ( 4 ) mortgages that originated with XXXX  XXXX XXXX in XX/XX/XXXX. I never had any problems with XXXX until three ( 3 ) were sold to XXXX  a/k/a " XXXX XXXX '' in XX/XX/XXXX. All four loans have been paid off except for one with XXXX XXXX, in which there is a minor dispute of {$350.00}, which they refuse to accept even though it was the agreed-upon pay-off amount. XXXX XXXX has now sent the collection to ShellPoint Mortgage as a debt collector, and the amount in dispute is now over {$1000.00} in less than a year. In fact, XXXX XXXX owes me many thousands of dollars. XXXX XXXX has been a HORRIBLE business to deal with. I have attached numerous documents which demonstrate what I conclude has been fraud against me in at least two of the three mortgages. They also lied to the XXXX  of XXXX and XXXX Texas. They reneged on another settlement regarding insurance policies that they had agreed on and only after the XXXX  case had been closed in favor of me as the consumer. XXXX XXXX 's and ShellPoint 's actions are nothing short of extortion. An attorney representing me and I have requested from XXXX XXXX several times for complete copies of the account history such as payments, debits, insurance, etc. These statements show excessive charges, servicing errors, fee errors, payment errors, escrow errors, and pay-off errors. ShellPoint Mortgage has informed me of the problems that XXXX XXXX caused by breaching our agreement for the pay-off of the last loan with them. Instead, ShellPoint ignored my advice. As I previously mentioned, XXXX XXXX owes me tens of thousands of dollars, which is now escalating due to my inability to obtain a mortgage loan due to their errors and misconduct. XXXX XXXX then denied my loan because I was a victim of XXXX XXXX, with which XXXX XXXX is affiliated, and because I was traveling nearly constantly while employed as a Foreign Service Officer with the U.S. Department of State and all of my accounts were on automatic Billpay. I find these acts to be abhorrent against someone who put over 20 years in service to our country, including nine years in the active U.S. Army.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

In XXXX and XX/XX/XXXX, I filed a dispute with this credit bureau about incorrect reporting of address on my credit report : XXXX XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX. 
. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about errors as of today. Thank you
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.