davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act 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 has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-25
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. (CA)

This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXX XXXX 
As of XXXX XXXX it is still on all 3 credit bureaus.
Consumer complaint received 2021-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I have been working with loan care for over 10 months now. I did a refi in XXXX, and have been making payments regularly since, each time involves calling and a bunch of XXXX.I reached out to you XXXX a couple months back and for a small moment things were oknow here I am again going through you XXXX for help! 

Here I am not able to make a payment on my account via the APP, online or via telephone. So upon calling and going through 20 plus minutes of prompts to talk with a person, I come to find out their is a freeze on my account stopping me from being able to make MY MONTHLY PAYMENT. No call/letter or email stating why, then after being on hold and speaking to 6 different departments my calls are dropped. Whats going on with this place, what a JOKE.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (GA)

The week of XX/XX/XXXX I received a XXXX form from US Bank. It was a suspicious form because it was fairly nondescript, included a withholding amount but not an income/interest amount, and because I do not have an account with US Bank. I have only the US Bank REI Credit card. 

On XX/XX/XXXX I used a phone number I found online for the company, because I did not want to call the number I received on a suspicious form. The individual who answered the call ( the person I initially spoke to ) indicated that I should call the number on the form. I repeatedly told her that the form was suspicious for the reasons listed above and I was concerned about this being a scam. After telling me two or three times that she was " sure I should just call the number on the form, '' only then did she mention that she was not from customer service. I asked her to connect me to customer service. I spoke to a customer service representative who was very cordial who told me that the XXXX was sent out in error and that I would be receiving a corrected one " soon. '' I thanked the representative and got off the phone. 

I proceeded to search for any mention of this error online on the US Bank site or elsewhere to see what standard advice I could find. Nothing was posted anywhere about this issue, even though the representative told me that many customers were affected. 

I received no corrected letter, and became concerned because it is tax season and I need to proceed with filing taxes. On XX/XX/XXXX I called US Bank again. I again spoke with another representative who did not originally know about my issue, but put in the effort while I was on hold to find out. She then came back and said that " only today '' the company had decided that corrected letter would be sent out to anyone affected, and that I should receive one in 7 days. I found this interesting since I was told a month prior that I would be sent a corrected letter. 

To date I have still not received a corrected letter. I believe prompt resolution is important during tax season for an erroneous tax form. To date, there is still no notice on the bank 's online site about this issue or anything that would give affected customers peace of mind.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2023-04-06
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. (MI)

XX/XX/XXXX. Transunion and XXXX added 2 hard inquiries that are not mine. 

1. XXXX corrected it but THEY are still reporting the 4 point drop these caused in my credit score! 

2. XXXX is still showing them but thier is no contact info. 

3. I can't reach XXXX 4. XXXX XXXX NA says they don't have any record of this so they can't do anything. 

I have not applied for ANY kind of loan or insurance. 

I beleive this fraud might be from someone that I had incarcerated for stealing my car in XXXX. He was released XX/XX/XXXX, the night before these inquiries showed up. He has a background of fraud. Also, on XX/XX/XXXX he called my daughter and asked for my birthdate, claiming he wanted to send me a bd card. Unfortunately he caught her off guard and she ignorantly gave it to him. It was shortly after she gave it to him that these 2 inquiries showed up. 

I have since frozen all my credit accounts and added fraud alerts to them all. 

Regardless, I haven't been able to get anywhere with XXXX at all. XXXX removed them but did not restore my credit points. Trying to contact these other 2 companies that caused all of this has been futile. 

XXXX ( Finance ) XXXX XXXXXXXX Na ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Although having these inquiries on the TRANSUNION ( XXXX ) report are not currently affecting my score, they said they will if they are there more than 30 days.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (NC)

I started a loan with the company. I am never late with payments however I am overpaying in interest. The interest is taking the majority of my Money. I just paid on my loan and the whole amount went into interest. I feel this is fraudulent and taking advantage of the consumers. I will never be able to pay this loan off at this rate.
Consumer complaint received 2022-04-07
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. (NY)

My personal information was misappropriated by someone I didn't know, and many overdue bills were recorded on my credit report, resulting in a negative credit report for me. 
The creditor and collection agencies, instead of showing me the original data package when the bill was created, only showed me the debt bill in the person 's name. 
I sent a statement to the creditor 's rights company and the debt collection company to investigate, but it was not resolved. The creditor 's rights company continued to accept the business handled by the embezzler, and the overdue result was recorded in my credit report.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (FL)

Out of the blue I received a letter from Cedar Business Services. They claimed I owed a debt of {$390.00}. I immediately called and discussed the issue with their rep. I forwarded and email proof I had that I had paid this debt ( from 2017 ). 3 weeks after our call Cedar Bus. Services responded to me in email claiming that the payment I made did not 'cover the debt ' and that now my new balance was {$790.00}. That is an unreasonable increase ; and also they have not provided any documentation of me owing anything to anyone.. Please help!
Consumer complaint received 2022-04-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

XXXX I sent a letter regarding inaccurate and unknown thing on my credit report. To this day over 30 days later I have not received a response yet. i feel like im being taken advantage of and being ignored of my dispute. Section 611 it is pliantly stated that a failure to investigate these items within 30 days gives a so they should be deleted promptly. i demand these accounts be deleted immediate or i will for ligation due to the stress you caused me. 

The credit bureaus also violated 15 USC 1681 sectoin 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigation before the period under section 611 Tracking # XXXX Tracking # XXXX Tracking # XXXX
Consumer complaint received 2017-12-23
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: EQUIFAX, INC. (LA)

XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, around XXXX, my checking account suddenly had three unauthorized international wiring requests in the amount of {$970.00}, {$980.00}, {$950.00} to bank in XXXX  XXXX XXXX recipient address located in XXXX XXXX As soon as I received the email notice of the above wire transfer, I called Chase and filed a claim for the regarding unauthorized transactions. One of the three wire transfer ( {$970.00} ) was successfully reversed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent me a letter and told me that my claim was denied because the wiring transfer was authorized or I received benefit from the wire transfer.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am extremely disappointed with the BofA system. I have been a stellar customer. I assumed I had auto payments setup because I pay my balance in full every month. Only to find out that my annual fee was charged XX/XX/XXXX, auto payments were turned off and I was being reported with late payments to the credit bureau agencies. I paid the outstanding balance of {$75.00} right away on XX/XX/XXXX when I was aware. Instead of my account going into good standing, they havent posted the payment and instead closed my account. 

Additionally, they were taking my auto payments literally a couple billing cycles prior to this ( until XX/XX/2021 ) even though I had a XXXX balance. I wound up having a credit of XXXX. I dont use that card often so I didnt notice. 

The system is broken. And now my credit is affected because of their broken system. This makes no sense
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (NY)

XXXX XXXX There was a letter mailed to me to attempt to collect a debt that I do not have in the amount of XXXX. 

I called XXXX and got my original information and I owe which I made a payment arrangement with XXXX for the amount of XXXX. 

Please have this taken care of and removed I am not responsible for this debt XXXX XXXX
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

I originally complained about the unfair assessment of late fees on XX/XX/18 to my loan account ; the fact that they mixed up the mortgage payments and put them into the wrong accounts ; that the extra money I sent to be paid to the principle was paid to the loan interest ; and the most important part they allowed my homeowners insurance to lapse, because they did not renew my insurance on time, and as a result it is scheduled to expire on XX/XX/18. They have addressed the first two issues to correct the mistakes of payment in the right places and adjust principle to reflect the payments made to that area, but they have neglected to fix the insurance part which is most important, because a house must have insurance on it, in case of fire or natural disasters, if for some reason something perchance occurred, I would not be covered. In this case, although the mortgage is tied to the home insurance and they are responsible for paying the premiums and ensuring that the insurance coverage is there, instead, they have ignored this aspect of the complaint, and just sent me a letter stating that the home insurance will expire on XX/XX/2018, without making any efforts to see that it be reinstated to ensure that my home is covered from these disasters, and they are further telling me that without home insurance, they can not service my mortgage loan, which is very unfair of them to me, as they are totally responsible for renewing it, and they don't care to do so! And I want my insurance reinstated before the expiry date reaches! I urgently need this to be done!
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants and Professional Bureau, Inc. (TX)

XXXX dispute number XXXX Federal law prohibits Medicare providers from billing beneficiaries who are enrolled in the QMB program for Medicare Part A and Part B deductibles, coinsurance, or copayments. 
If you erroneously bill an individual enrolled in the QMB program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. 

Billing of QMBs Is Prohibited by Federal Law Federal law bars Medicare providers and suppliers from billing clients enrolled in the QMB program for Medicare Part A and Part B cost-sharing under any circumstances.

The QMB program provides Medicaid coverage of Medicare Part A and Part B premiums and cost sharing to low income Medicare clients.

QMB is an eligibility category under the Medicare Savings Programs and providers and suppliers may bill State Medicaid agencies for Medicare cost-sharing amounts. However, as permitted by Federal law, States can limit Medicare cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the QMB program have no legal liability to pay Medicare providers for Medicare Part A or Part B cost-sharing.

Medicare providers who do not follow these billing prohibitions are violating their Medicare Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ). 
PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Yes I contacted the XXXX  today XX/XX/2019and before too and they told me that they didn't any reports because my loan are in stop payment until XX/XX/2019. Also they Sayed that not understand why my loan are like that because they never reported. All is related with students loan. And they recommend that contacted the Experian. I am calling many time but nobody answered.. the only I need they check that information and remove thatThanks!
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

On XX/XX/XXXX, Green tree servicing offer a loan trial modification. I respectfully accepted the offer and made all trial payments on time. Sometime on XX/XX/XXXX, the servicer provided two sets of loan modification agreement, the contract was executed by me and was sent back to the servicing company as per their specification and/or instructions. I continued to make the monthly payments timely in accordance with the contract signed and the servicer received all monthly payments for the years to come. 

On XX/XX/XXXX, I received notice that the debt was transfer or sold to XXXX XXXX and that all payments must be made to the new company starting on XX/XX/XXXX. Pursuant to the notice of servicing i made the attempt to make the monthly payments to the new servicing company, however XXXX XXXX decline to accept our payments and stated that we green Tree Servicing never sent them copy of the loan modification agreement and therefore could not honor or process my payments. 

I contacted Green tree and demanded a copy of the executed agreement. According to Green tree servicing, a loan modification agreement was sent and was never executed. This statement is false, green tree had me executed two separate agreements and requested that i sent the original. Green tree Servicing made the promised to sent a copy of the agreement executed by them and never did. 

It is obvious that the servicer has engaged in deceptive and unlawful banking practices while in violation of the Department of Treasury HAMP program. Ones a loan modification agreement is executed and the servicer takes your payments for two years is clearly an indication that the account has been resolved. It took us by surprise that after servicer took our payments for two years to suddenly claim we never had an agreement whenthey sold the loan. 

XXXX XXXX has refuse to accept our payment and have defaulted the account on purpose thus no fault of our own.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-28
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: Universal Recovery Corporation (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late purpose.

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