davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

Received a letter or what looks like a summons to appear at hearing on XX/XX/XXXX from Midland Funding LLC C/O someone named XXXX XXXX. 

The " summons '' is not dated, not on any XXXX County letter head, there is no record of the case number, I called the XXXX County Clerks office, no clerk of court stamp nor does the letter give any amount of money I supposedly owe. I do not know this person nor do I owe any debt to Midland Funding LLC. I do not know who they are.
Consumer complaint received 2019-11-26
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. (CA)

XX/XX/2018 XXXX made a fraudulent hard inquiry to my Transunion report. Transunion has been unwilling to help me address the extensive fraud on my report and instructed me to contact each creditor. I have been unable to reach this company on my several attempts by phone.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

Please don't close this complaint by mistake the previous complaint got closed by your system, I called earlier spoke with XXXX her ID # XXXX she gave me the OK to open a new Inquire against " Credence '' Debt collector for a different Product They tried to collect money from me.This complaint is different from the previous one I filled before because is different product is for Internet and Video Services and the amount of Money is different too. 
Please see my Attachment " Dispute Letter ''.
Consumer complaint received 2024-10-28
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)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

I have been receiving letters and calls from Pressler , Felt & Warshaw , LLP located XXXX XXXX XXXX. XXXX New Jersey XXXX. Their phone number is XXXX. Everytime they call, I would explain to them that this debt they are coming after me is not my debt. This is for a XXXX  credit account. Presler, Felt & Warshaw states a judgement was enter on XX/XX/XXXX in amount {$1400.00} plus interest so total of {$1600.00}. Around XXXX, yes 19 years ago. I was a victim of identity theft. I did not know of this until around XXXX. When I contacted the 3 credit agencies, there was not much they did due to identity theft was not a thing like it is now. They said they would put an alert on my credit report. I was never served any court notices. I did speak to someone from Pressler, Felt & Warshaw few months back. I told them I wanted them to serve me properly and I would go to court and explain my case. I received another letter from them today. It was a Subpoena Written Questionnaire. The opening of this letter states if I do not return this questionnaire, I would be arrested! I was never properly served, I want to see how this debt belongs to me. They say this is a target credit account. I want to see where I signed to open this account. This is not my bedt and they are not giving me any chance to dispute this. This is a identity theft case from almost 20 years ago. How can they do this. I should be given the fair chance to dispute this. Instead of being threaten of arrest.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

To whom this concerns : i desperately need some help on firguring things out. My letters were written, and sent out on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and they've fallen on deaf ears, it seems. I just cant firgure out what's going on and i also dont understand what it is that im doing wrong. Or what it is that im not saying, I'm following the FCRA steps far as disputing negative items, ive reached out to these creditors, and was notified that there's been no investigation at all for my own purposes now i understand those electronic response which i provide plenty in my paperwork of their verification. This company is required to do a proper investigation something that beyond fake allegations which was submitted to me. where's the info? Where's this documentation? How was the investigation done? Who did this company with i need prove of information i listed above as well as a re investigation of these inaccurate, and unverified accounts..
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX I was trying to reach a person to make sure the bureau was reporting the correct name on my file. I went to their website and they only offered one number, XXXX. I called this number multiple times trying to reach a person. Sometimes the computer would hang up on me and I would have to call them again. In exasperation I began pushing random buttons. All the sudden the computer told me I had frozen my credit. I did not authorize to freeze my credit. If a few easily discoverable security questions and some clicks with a computer on the phone is all it takes to freeze someone's credit then my credit is not safe. I did everything, I said agent, I said help, I said person, and the computer kept hanging up on me. 
I eventually XXXX  Experian 's contact numbers and found a third party site that finally provided a contact number that Experian had refused to release to me on their website. I found out they were actually closed when I called this new number, XXXX. I called back the next day during my lunch break. I was able to find out they did have the correct name. But they refused to take off the unauthorized freeze. She directed me to the web where I answered my security questions perfectly but the computer denied me access. So now I know Experian also has false information on me. She stated the only way to take off this unauthorized freeze is to wait for snail mail. Overnight delivery would cost me money! They have no fax or email! She continued to rudely tell me I did authorize the freeze which is completely false. Random buttons are not authorization for anything, especially something as important as access to funds. I need this unauthorized freeze taken off, I need them to tell me what security questions were answered incorrectly so they can take the false information off my account, and they need to put a real phone number on their website.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (OH)

credit management is collecting for XXXX  XXXX  company, back in XXXX my personal information was stolen, i left XXXX  with a XXXX  balance, however i believe after i moved out that some was still using my cable service in my name, see attachment i filed a police report with identity theft ... 

XXXX  XXXX  credit card, i have closed that account and paid it off, its a a XXXX   balance uplift, i was never late, this website had system issues, and virus issues, the company software was defected preventing me from paying with my personal checking account, and the company would not take my credit card pmt as well, to my understanding i thought i was current and update, i was shocked when i found out that my pmts was being rejected, when i found out i instantly paid and brought current
Consumer complaint received 2019-11-05
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. (CO)

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certegy Holdings, LLC (GA)

This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American Express XXXX XXXX card that I've had since it first came out in XXXX of XXXX. This card came with an anual fee of {$450.00} which I paid in XXXX, XXXX and again in XXXX, XXXX. The last anual fee covers the benefits until XX/XX/XXXX. American Express has decided to cancel this card without notifying me and for no good reason XXXX no late fees, no bankruptcy, everyday purchases ) and I find myself unable to use the benefits I paid for in XXXX, XXXX that were supposed to be covered for a year. American Express has basically taken my money and closed the door in my face.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

A credit card with a limit of {$1000.00} USD was opened under my name and social security number by PayPal. I have never used PayPal services nor have I ever had an account with PayPal. I was first made aware of the account when it appear on my credit report. I have since requested the account be closed through synchrony bank and reported the incident to the credit bureaus. Its alarming that PayPal is in the practice of opening accounts unbeknownst to the consumer. These practices seem predatory and should be reviewed a little closer.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (NV)

In XXXX of this year I obtained my credit report and found there was an account listed on my report for XXXX XXXX in XXXX XXXX. 

I was a patient there, on XX/XX/XXXX which I later confirmed through the hospital / via email. Since then I filed a dispute with all three XXXX, XXXX and Experian as they appeared on all three reports. The information was supplied to all three by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My subsequent dispute was simple, the debt should have been removed as it was XXXX years years old. I had to for the 2nd time dispute different information with Experian, as they had my Birthday and name incorrect. I was born in XXXX, Experian had my Birth year as XXXX, and my name as XXXX XXXX, they added my middle initial to my first name, ironically making me a female ( XXXX ) is the female version of XXXX in XXXX and in many XXXX XXXX   families. 

Both XXXX and XXXX removed the XXXX account Experian did not, and in-fact verified the information as " accurate '' I don't know how they could claim the information was verified as accurate. I filed another dispute with Experian via mail, provided the information from the original creditor ( XXXX XXXX ) a copy of my social security card, my Nevada Identification ( Real ID Version ) and a copy of my W2 to confirm the address. Again they came back and stated " Verified and accurate '' with the account being opened in XXXX of XXXX. Approximately a week later I received a form letter stating " I would have to confirm my address, and my identity before they would send any information to my address ''. They did not ever read my correspondence everything they asked for to " confirm my identity '' was already included. 

At this juncture it's painfully obvious that not even the minimum " investigation '' was performed, no one ever read the letter. The debt is being re-aged plain and simple. I would think when the original creditor confirms you were not even a patient there during their stated time the account was " opened '' would be considered prima-facia evidence nothing is being done correctly.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (CA)

I received a call on XX/XX/2019 from Navy Federal Credit Union trying to collect on a {$7900.00} balance for transactions that were not processed by me. The operator on the line explained to me that after investigating the situation they said that the charges were still valid. As I have never opened an account with this credit union it does not make sense that I am responsible for these charges. I tried calling the company to request further information concerning the investigation and was connect to an operator who put me on hold and proceeded to disconnect the call.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

XXXX XXXX XXXX by Comenity bank XX/XX/XXXX first I scheduled two payments to pay off the card before the finance charge was added to the account. One payment for XXXX $ from one account ( XXXX ) and another XXXX payment from my checking account. 

The bank stated that they never received my payment of XXXX $ and that because of this the finance charge of XXXX $ would be assessed. I opened a dispute with them but never received confirmation that the dispute was taking place nor what action resulted from the dispute. 

On XX/XX/XXXX the bank confirmed that there is a business rule on the back end of their software system saying that only one payment can be pending a day ( a Sr. account manager named XXXX ). 

This rule is not clear- the email notifications you receive are that one payment is completed and then a payment has been updated but it is not specific about which payment is updated. I have spent 15 hours on the phone with the bank and they refuse to admit that this is a system issue and that the finance charge should not be applied. They have stated that they have mailed me letters ( XX/XX/XXXX and XX/XX/XXXX ) but I have never received these letters despite having confirmed my address with them and requested them to mail the letters certified mail multiple times. I also stated that since the payment was being made from a new account this constitutes a new payment and the bank ignored this.
Consumer complaint received 2019-11-25
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. (SC)

XX/XX/2018 XXXX XXXX XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WA)

In XXXX of 2019 I submitted an application to rocketmortgage.com ( Quicken Loans ) for a mortgage. A few weeks later I spoke with XXXX XXXX and we briefly discussed what I was interested in and decided we would take in further detail once I was ready to start looking at buying. On XX/XX/XXXX I spoke with XXXX XXXX again and I was given some estimates for a Mortgage Loan. The estimate I was given was as follows : Loan Amount : {$380000.00} Home Price : {$400000.00} Down Payment : 5 % Closing Costs : XXXX Rate : Estimate of XXXX to 4 % We decided again to follow up once I was ready to start looking at homes. A week later, my wife and I found a home we wanted to put an offer on and I spoke with XXXX on Monday XXXX, XXXX who quoted me a locked rate of 3.625 % at closing costs of roughly XXXX ( I don't remember the exact number, we had this discussion over the phone ). 

Later on XX/XX/XXXX I received a loan estimate disclosure which showed a total cash to close of {$25000.00} which seemed right because that's what XXXX told me. However, I had overlooked the fact that this total included an {$8000.00} credit from the seller and a {$3000.00} credit from the XXXX XXXX. In addition, I also did not realize that the origination fee was extremely high at 2.375 % which I find extremely dishonest because when XXXX told me a rate of 3.625 % he never mentioned to me that this rate was AFTER having paid for points. It was only after I had shown the loan estimate disclosure to my real estate agent that she pointed this out and said that the closing costs I was asked to pay was extremely high. 

On Sunday, XX/XX/XXXX I spoke with XXXX again who apologized for the confusion and said he would discuss the issue with his XXXX. I should mention that XXXX offered to give me the ACTUAL rate OF 4.5 % but I didn't not find that to be a sufficient resolution to the issue. 

On Monday, XX/XX/XXXX I received a call from XXXX XXXX, Senior Director of Banking at Quicken Loans. I explained to him the situation and that I felt the practice of advertising a loan rate without being clear that the rate came at the cost of being bought down ( an origination fee of about XXXX dollars ) was deceptive, and I requested that they update the loan to include the original rate of 3.625 % without having been bought down with points. I explained that with previous lenders, the rate the advertised to me was the actual rate I received, and they asked me if I wanted to but the rate down with points. XXXX explain that it was more important for their company to advertise low monthly payments to their clients, and said that 'explaining the details to customers confuses them ' which is why they didn't explain the rate more clearly to me. In addition, he also insulted me by indicating that I did not know how to do math.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I recently pulled my credit report and found some inaccurate personal information that was reporting. I have made a list of all of the inaccurate personal information that I would like removed. I am in the process of starting a business and I can not get access to business loans. Please review all of my documents and remove the inaccurate information that is listed. 

Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX PA XXXX