davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and XXXX has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act XXXX has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on XXXX website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on CFPB.com several times in past and to XXXX AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!
Consumer complaint received 2020-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I tried to pay my mortgage online and was hit with these new terms and conditions regarding my online payments moving forward. I did not want to agree to these terms so I proceeding to skip this page and proceed with my payment. When I click " continue to next page '' it did not proceed to next page. I was blocked from making my mortgage payment unless I click the " agreed to terms '' box. I submitted 3 secure message emails to " Dovenmuehle Mortgage Inc '' who is servicing my mortgage, to please explain in detail including names, addresses, phone numbers, email address etc, who is " THE LENDER ''. I Indicated in my email, NO PHONE CALLS, please respond via email to my request. This company won't respond to my request by secure email. Please read terms below : PLEASE RETAIN THIS PAGE FOR YOUR RECORDS AUTHORIZATION AGREEMENT FOR A ONE-TIME DRAFT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX I ( we ) hereby authorize XXXX XXXX XXXX XXXX XXXX and its successors, assigns, authorized agents including Dovenmuehle Mortgage , Inc. or any entity servicing my loan on their behalf ( hereinafter called THE LENDER ) as I indicate on the next screen to initiate a mortgage payment debit to my ( our ) indicated Checking or Savings Account, and debit the depository named for the indicated account. 

I ( we ) understand that if any debit entries under this authorization are returned for insufficient funds or otherwise dishonored, I ( we ) will promptly send THE LENDER the total payment due, plus any late charge ( s ) or other fees due under my mortgage. 
I ( we ) authorize THE LENDER to electronically credit my ( our ) account if necessary, to correct erroneous debits. 
I ( we ) agree that ACH transactions I ( we ) authorize comply with federal law. 
I understand if my payment is returned by my bank, I may be charged a fee. 
This authorization is to remain in full force and effect until THE LENDER has received written notification from me ( us ) of its termination in such time and such manner as to afford THE LENDER a reasonable opportunity to act upon it. THE LENDER may terminate this agreement at any time, with written notice sent to me.
Consumer complaint received 2022-04-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XXXX of XXXX I began inquiring into why I cant pull my transunion score or get a free credit report. They stated I had fraud reported on my account 10 years ago, and they couldn't unlock it they had to send in a ticket to get it unlocked and would send me a paper report. I have called no less then XXXX times to get this fixed.. and I still cant pull my own report online anywhere, nor have I ever received a paper copy! This is discrimination and is in violation of the fair credit act. I need this corrected immediately.
Consumer complaint received 2020-08-28
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: EQUIFAX, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (MN)

XXXX XXXX- we went to court and I paid them as agreed by the judge XXXX they in turn took me back to court and did not show up for the matter the judge them dismissed this case in my favor but XXXX  XXXX wont remove this off of my credit and after the judge decision they told me I owed them XXXX. I believe they are targeting my unfairley and did not follow the ruling of the court they are trying to hold my credit in bad standings until I pay what they want me to pay not the order of the court.
Consumer complaint received 2018-07-08
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: APEX Asset Management, LLC (NJ)

Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : Apex Asset Management Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : Apex Asset Management. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard InquiryXXXX XX/XX/XXXX. XXXX XXXX. This is an error.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (TX)

Subject property XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Current deeded use is condominium. Seeking under XXXX  XXXX XXXX loan document Note 1-4 family XXXX XXXX XXXX, ( attached ) notarized amendment document from XXXX XXXX approving change of deeded use to multi family. I agree to have XXXX XXXX take lien priority on the property. 

To be clear I have never missed a mortgage payment or had a lapse in insurance coverage on the subject property. 

My friend who is an attorney contacted XXXX XXXX for me in regard to this request. She spoke to XXXX XXXX Esq. who advised her that XXXX XXXX would agree to this request, and for her to contact XXXX XXXX Esq. at XXXX XXXX ( XXXX ), the current mortgage debt service company. She reached out to the contact at XXXX XXXX the same day via phone message and email. 

As of today, Attorney XXXX did not return the phone call or email. Not a surprise to me, since XXXX XXXX is a predatory debt collection company who I have had the unpleasant experience with ; particularly in regard to their annual " forced placed insurance '' threat and subsequent machinations one has to go through with them to " prove '' that there is a viable insurance policy on the property. 

One does not have to go far on your web site and XXXX  to see all of the complaints from numerous folks who have had the forced placed insurance scam put upon them by XXXX XXXX. Additionally, many people have lost their homes to foreclosure because of XXXX XXXX inability to follow through on loan modifications for people who are trying to save their homes. 

XXXX XXXX  holds the loan but refuses to take responsibility to assist their paying customers. Rather, they prefer to hide behind the predatory debt collection company to do their dirty work. It is a shame.
Consumer complaint received 2022-09-15
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: Convergent Resources, Inc. (SC)

XX/XX/XXXX. Letter was sent to Convergent Outsourcing, asking for proof of validation on an account that allegedly claimed to be mine. No proper validation was provided compliant with the laws in place by the FCRA. 

XX/XX/XXXX. Another attempt was made to try to resolve this issue. No response was given. 

XX/XX/XXXX. Another attempt was made. No response. 

The fraudulent account remained. 

Convergent Outsourcing has violated my rights as a consumer by reporting false fraudulent information to credit reporting agencies
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This complaint is submitted on behalf of the mortgage borrower by his authorized housing advocate. The borrowers mortgage loan was transferred from XXXX XXXX XXXX XXXX XXXX to Nationstar Mortgage XXXX XXXX Mr. Cooper on XX/XX/2022. The borrower has not received a periodic statement since XX/XX/2022. 

Mr. Cooper representatives advised the borrower that their records reflect that he filed bankruptcy. The borrower informed them that he has NOT filed for bankruptcy. They refused to address the error. Instead, they said the borrower needs to speak to his attorney if he would like to receive periodic statements. 

The borrower believes this error may be a result of an incomplete, inaccurate and unfunctional transfer of his loan between mortgage servicers. This error also raises concerns about fair credit reporting, since the borrower has been making each payment on time despite Mr. Coopers record of the loan being in active bankruptcy.
Consumer complaint received 2018-07-08
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. (CA)

XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!
Consumer complaint received 2024-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am former XXXXXXXX XXXX Borrower Defense discharged most of my loans tied to XXXX I discovered there was private loan, without my knowledge and consent. The loan is managed through Navient ( Sallie Mae ), as I stated previously I was unaware that I had any private loans. I requesting documentation on this loan as I believe this the loan not ok or signed off by me.

Im asking for explanation as why the first request for dismissal was denied as Naviant did not provide a clear explanantion. Naviant explanation " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school ''. I am requesting through look into this and I am considering legal counsel.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OK)

I turned a copy of my divorce degree into Synchrony Bank following a divorce. The decree stated the account was the responsibility of my ex and was to be paid off and closed. The account was paid off and a credit limit increase granted. I have attempted to contact Synchrony to close the CareCredit account. They could not locate the account. This prompted me to close all Synchrony accounts in my name. Synchrony stated that I do not have any open accounts so I disputed information on my credit report. Synchrony verified the account as open and active based on that dispute. I attempted to contact Synchrony again but they can't locate any open accounts based on my name, social security number or telephone number. Synchrony is acting inappropriately and outside the confines of the court order sent to them. My ex should no longer benefit from my credit or income. We were married a very short amount of time and have no kids or property in common. Please force Synchrony to cease and desist reporting accounts for which they can not confirm with me the supposed debtor.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (OR)

I do not live at the address the card or cards where sent to. Its killing my credit. I want to buy a home for me and my kids and I can not do so with this in my credit. Please help me. Thank you.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I contacted TransUnion as they want some inaccurate information on my credit report through XXXX XXXX  The name on the accounts when where in accurate as it was a different name to my name on on the account The two accounting in question where from XXXX XXXXXXXX XXXX XXXX XXXX XXXX I contacted them but they would not discuss this with me as they could not discuss all the people 's personal details I told them that they have my step brother instead of me on the account as we both lift that the same address at different times his name is XXXX XXXX XXXX has he changed his name by XXXX when my dad married his mum I think this is led to confusion on some credits reports as my name is XXXX XXXX XXXX my step-brother how's it different date of birth to me so I don't know how this happened I told that to TransUnion but then refuse to believe it. I want this dispute resolved
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This debt is not mine and I should not be responsible for paying it.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (FL)

I received a letter XX/XX/XXXX from ARA Inc. indicating I had a debt in  collections with " XXXX XXXX '' in the amount of {$11000.00}. 

I called the number of the letter indicating I do not own this account and never had a credit card with " XXXX XXXX ''. The person on the phone became belligerent yelling at me telling me it was my debt from XX/XX/XXXX. 

I informed them I never had a credit card with " XXXX XXXX '', never heard of this bank and had no intention of paying this supposed " debt ''. 

The person then hung up on me. This is most definitely a scam.
Consumer complaint received 2020-04-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, 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.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, some people sent me a cashier check for {$290000.00} from XXXX XXXX XXXX and asked me to transfer that money to two accounts as a favor to paid them for web sites and graphic designs stuffs. I did it because they told me that they will hire me to do a web site for their restaurant. I believed them. 
Later that day, my bank account was in negative because the check was void. 
I called Bank of America to stop all the transactions and they told me that I should ask them for the money instead. Obviously they sent me another check with a larger amount but I went to the police and called the bank again to proceed with a claim. A month later the bank told me once again that they cant approve the claim and that I should talk to the people that rob me. Its ridiculous how they just believe that this people will give me my money back.
Consumer complaint received 2020-08-25
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. (GA)

I AM A VICTIM OF IDENTY THEFT. SOMEONE STOLE MY INFORMATION. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2022-09-15
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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service (AE)

Military Star Card Exchange had added late payments to my credit report while I was XXXX overseas. I informed them of my XXXX after seeing the late payments and even with proof of overseas they said they were unwilling to do anything. Its causing extra stress and hardship on an already hard XXXX lifestyle.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian continues to avoid providing me with the information that I've requested from them in regards to their " investigation ''. I want to know the person 's name at Experian who verified the accounts, the documents that he/she used to verify, and their business phone number and address. It's my right to see this information. There's no way for me to know if they really verified this information without this information.
Consumer complaint received 2023-04-01
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. (MO)

I have sent in numerous documentation proofing I dont owe on a auto with XXXX XXXX. 
Bureaus have received proof of documentation stating I do not owe this lender and they are still reporting as a repossession on my credit report when the vehicle was totaled. I have repeatedly tried to get this handle with all 3 credit bureaus and nothing have been resolved.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc. (NY)

To whom it may concern, I was looking at my XXXX XXXX  on XX/XX/22 and noticed a big drop in my credit score. I see I have a collections from CCS COLLECTIONS for {$1600.00}. This company had tried to contact me weird hours in the past and i thought it was spam and explained to them they had the wrong person. They are saying the original creditor was CCS FOR XXXX XXXXXXXX XXXX. This is identity theft or fraud as i never authorized anyone to use my name as I never even had a cable bill in my name. I have attached the XXXX XXXX of them in my collections.