davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (NJ)

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 USC 1681. 

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 an 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 1681 s-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. 


XXXX XXXX- ACCOUNT XXXX
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CT)

TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CAINE AND WEINER. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THE COMPANY. I HAVE DISPUTED THIS NUMEROUS TIMES IN THE PAST. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I have written to Specialized Loan Services, LLC to obtain documents associated with my refi loan. As I understand it, when loans are transferred from one lender to the next, all of the documentation goes to the 'new ' lender. 

As such, I would like to obtain copies of the following documents : 1. all of the originating loan docs from my refi with XXXX 2. the payoff disclosure statement from XXXX, stating the exact payoff amount remaining from the previous loan - this money was folding into my refi 3. a  copy of the cancelled check and or electronic payment showing payoff of the remaining balance for the XXXX loan Please provide me with this information. Thanks.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AL)

WellsFargo, I 'm getting really tired of the run-around. 2 years ago ( XXXX ) I was told by one of your bankers in XXXX, GA, that it would help me organize my finances to open more bank accounts- an extra checking, an extra savings, and a personal line of credit. I foolishly followed that advice, and ever since you 've nickel and dimed me with fees. ( $ XXXX service fee on checking, $ XXXX service fee on savings, then {$35.00} overdraft fees when you drain my account ) The past few months I 've tried multiple times to close XXXX of my accounts. I 've gone into a branch to close it ( in XXXX, at a branch in XXXX, AL ), only to be told that they could n't do it. I was told you could n't transfer money from one of my accounts to another. How is that even possible? These are Wells Fargo accounts and I was there in person to verify the transfer! So, I 've tried transferring the full balance of one of my accounts to another online, then calling customer support ( beginning of XXXX ). They told me they could n't close the account because the transfer had n't gone through. Well guess what, when the transfer does go through ( it took XXXX business days ) and I have a XXXX balance, you guys charge me fees so my account goes negative. As you might guess, that also makes it impossible to close the account. I 'm not enjoying this game and I 'm not sure I want to play anymore.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (TX)

The date started in XXXX to XXXX for the interest for the the month to month with the bank I called an the person on the phone said that they would give the interest but they were at the house because of COVID break from home they answered the call, should of been the monthly interest
Consumer complaint received 2017-11-02
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: EQUIFAX, INC. (KY)

I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.
Consumer complaint received 2020-06-28
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.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
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

I am NOT behind in payments. 

In a matter of minutes, Mr. Cooper XXXX Nationstar XXXX took seven ( 7 ) additional, unauthorized mortgage payments via ACH from my XXXX XXXX  account effectively taking enough money to pay my mortgage until XX/XX/XXXX. I had no payments due until XX/XX/XXXX. Amount Unauthorized {$700.00} XXXX XXXX = {$4900.00} Additionally, aforementioned mortgage lender has NOT credited any of these payments to my mortgage account, which still reflects a payment due XX/XX/XXXX. 

Contacting XXXX, they are aware of the issue indicating this has happened to numerous accounts ; XXXX indicates this issue needs to be resolved with the Mortgage lender. 

Contacting the Mortgage lender, they do not answer the phone citing heavy call volume due to COVID-19. Perhaps taking 7+ unauthorized mortgage payments for numerous customers results in heavy call volume?
Consumer complaint received 2017-11-02
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. (MA)

This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XX/XX/XXXX/XX/XX/XXXX not XX/XX/XXXX. 

The 3 Navient accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I complained to XXXX XXXX XXXX multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$380.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} ASCENDIUM XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ASCENDIUM XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (IN)

DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (OH)

I received a notification from the Credit Bureaus that the Company Deville Asset Management has flagged my accounts for collection. I never received any letters with any chance to verify this. I disputed this company earlier this year for failing to provide my signature proving that I owe them anything. They also removed this from my report. I received a notice on XXXX XXXX, 2017 which I will attach. They have violated the FCRA on reinsertion, and have also failed to provide me with any proof that I have business with their company.
Consumer complaint received 2017-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

On or about XX/XX/2017 I called Navient to request the Certificate of Title of all of my loans. I was transferred about 5 times to different reps who claimed they had never heard of that document and that it did not exist.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received a statement with a total balance due of {$3000.00}. This entire balance was on a 0 % interest promotional rate that was due to expire on XX/XX/XXXX. I paid the entire {$3000.00} balance due from the statement off on XX/XX/XXXX, but was charged interest on my XX/XX/XXXX statement. When I called customer service to dispute the interest charge, I was informed that I was charged interest on new purchases that had not been billed on a statement yet. I was told that if there are no promotional rates on the card then interest is not charged on new purchases until after they are billed on a statement, but when there is a promotional rate that new purchases are charged interest before they are ever billed on a statement. Being charged interest on new purchases that have never been billed is like being charged a no-show fee for a doctor 's appointment scheduled for next week.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX BAL.OWNED : {$2000.00}, XXXX XXXX XXXX BAL. OWNED : {$5600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in this collection account. The unverified account, FINANCIAL CREDIT NETWO ( XXXX XXXX XXXX  ) XXXX, is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation. If unable to, remove this account immediately.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

According to code 15 U.S.C 1681, my consumer rights are being violated as there are accounts listed as XXXX, XXXX and XXXX being reported on my Equifax report. 

1 ) Ive previously submitted a police report and FTC report showing I was a victim of fraud ( check your records ) and included these accounts 2 ) the accounts do not belong to me 3 ) Equifax refuses to provide documentation with a wet signature by me proving the validity and ownership of the accounts 4 ) none of the accounts match my records ( address, etc. ) 5 ) Equifax is the only bureau reporting this information
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to demand the immediate removal of a fraudulent inquiries account from my credit report. Upon reviewing my credit report, I discovered an account that is the result of identity theft and fraudulent activity 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
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did n't make these inquiries it must be errors. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX transunion - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX +  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC (GA)

Rocket Mortgage requested verification of home owners insurance in XX/XX/2023. This was submitted by homeowner via XXXX. Again a request was sent asking same information. Chat message sent by homeowner as well as attempted phone call with no response from Rocket Mortgage. A third request was sent and homeowner had XXXX fax verification of insurance to Rocket Mortgage. Homeowner then received notification that insurance was being purchased by Rocket Mortgage for homeowner. Homeowner then sent verification via certified letter and still no response. Rocket Mortgage now has homeowner in delinquent status and reported to credit agencies. Attention to get this corrected appreciated
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Personal Statement these items/accounts/inquries are unauthorized and unrecognized please help delete these items from my CONSUMER REPORT for they are causing me great harm and suffering in hindering me from life liberty and the pursuit of happiness. 
inquiries : 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 Accounts : 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
Consumer complaint received 2024-02-13
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

My Credit Card balance was XXXX on XX/XX/2024 I paid the entire balance accept {XXXX. My payment haven't even posted and synchrony bank decrease my credit card balance to XXXX. I spoke to XXXX ID XXXX in OH and she said there was nothing she could do. This is the second credit card they have decrease my balance. This is red lining and someone needs to check into this. She also said she pulled my credit, all three credit reports are frozen. I have spoken to others and they also said the have had the same issue. 

Thanking you in advance, for your prompt attention to this matter.
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XXXX XXXX. I have no contract with this company. The account that they are reporting was charged off in XXXX XXXX. I would like the collections account on my credit report from Portfolio Recovery Associates, LLC to be deleted due to false information. I paid the original creditor " XXXX XXXX '' the remaining balance before it was sold to Portfolio recovery associates, LLC. 

Also, this company is not authorized to collect debt in the state of Florida according to the secretary of state. 

account XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (RI)

I left a lease early and leased another vehicle with the help of the factory. The finance company assumed a very aggressive estimated future property tax amount. I knew it was too high and told the company I would pay them {$150.00} a month until the actual property tax bill came in. The estimated tax was hundreds of dollars higher than the actual number. I confimed that number with the local municipality. I called the leasing company with this information and they informed me that they would look into it. I never received a call back or letter regarding my issue and the leasing company continues to call looking for the fraudulent amount.