davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (GA)

My issue is with XXXX  's continued use of two accounts on my credit file. They are Ford Motor Credit and XXXX XXXX. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time ( Ford account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted XXXX to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with Ford and XXXX! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.
Consumer complaint received 2022-05-01
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 account # 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 2020-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

On XX/XX/2020 I became aware of inaccurate information listed on my credit reports by Credit Collection Servic. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement along with an itemized document. 

On XX/XX/2020 I made a second attempt to resolve this matter by informing Credit Collection Servic referencing FTC Opinion letter from Attorney XXXX XXXX XXXX that a printout of a bill or itemized document does not constitute verification. I have not received a response back. 

Furthermore, I mentioned in my second dispute the unfair inaccurate reporting of not just the account status but of the account name. Credit Collection Servic listed the mention account under three name variations I believe acting in bad faith. Credit Collection Servic, Credit Collections Services and CCS Collections.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reported to Transunion on more than one occasion that they are reporting a collection account that does not belong to me, and yet they still continue to report it even though I sent them copies of the letters and certified receipt that I sent to XXXX XXXX XXXX asking them to provide proof which they have not, Transunion has not investigated nor sent me any proof that they have attempted to get and proof from the collection agency that this debt is mine, I have not received a letter from Transunion about this matter up to this day. I have uploaded the letter and Certified mail receipt show Transunion received my letter on XX/XX/2021 which is more than the 60 days they require to do an investigation, this derogatory remark on my credit report continues to affect me negatively and I want it removed immediately.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

I had called Carrington Mortgage on or around XX/XX/2020. Asked they why they have not reported my loan to credit bureau. Because I had disputed done complaint with CFPB ( XXXX ). They advised me they are not going to report mortgage from date claim for 120 days. I asked when will report he told me that did not know. 

When I go to credit karma looks they have charged off the my mortgage. Something is not correct. I tried calling trans union there office are reduced hours because of the covid. The hours they open I am working. When Carrington reports to the credit bureau my credit score does not update. I need everything report correctly from XX/XX/2020 to current. 
I have included screen shots. If notice the home loan has a black dot just like the auto loan that is paid in full.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (TX)

I applied for a banking account with XXXX. XXXX could not open the account due to the consumer report that XXXX received for Early Warning System. I contact the company to have my report sent to me. After receiving the report, I submitted a letter to start an investigation on a dispute. I sent a total of four letters requesting documents and validation of the information that was being housed and distributed to other companies at request. Early Warning responses each time calling these investigations frivolous dispute. The process started in XX/XX/2022, it has been over 30 days and 4 attempts for Early Warning to valid the information. The company has failed to provide documents for the information on my consumer report.
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (NC)

I have reviewed a copy of my credit report and I show company MIDLANDMCM, account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable  conclusion has been determined.
Consumer complaint received 2022-05-01
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. (IL)

- [ ] XXXX  XXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hi, I am XXXX. I hope you read my report this time. My mortgage company is trying to charge me for being three months behind on my mortgage. I am only two months behind, I paid in XXXX, didn't pay in XXXX and am unable to pay for this month ...... 

That being said. I am also tring to get CA Mortgage Relief. I applied. Then I check and without out notice I find out that my loan servicer decided to tell CA Mortgage Relief that I was not deliquent in my payments and therefore they canceled my application. I mean make up your mind SPS. Right? 

So, please help this XXXX indvidual who is waiting on the XXXX termination appeals process to get payments in order to pay back their loan servicers. Since I don't have income they refuse to offer me forbearance, but you should re-read the other XXXX complaints I have already made. 

Also, if you have tried to call or anything like that my X cloned/hacked my phone, so I am not guranteed any calls. His name is XXXX XXXX and his wife XXXX XXXX is equally guilty. They probably did something to my bank account as well. 

Thank you for you help so far in this matter.
Consumer complaint received 2022-11-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TX)

my mortgage is with Rocket mortgage in XXXX, I scheduled two ( 2 ) payments in XXXX of XXXX on ( 2 ) different accounts. One ( 1 ) went through and the other did not because the withdrew on the wrong account. I placed many calls and explained their mistake to a XXXX member, causing overdraft fee from my bank and their company. All I asked for was reimbursement for the fees that were not my fault. They can not do so, so I told them I would not make the XXXX payment until they do. This resulted in nasty letters and representative show up at my doorstep to see if I still lived there. I would like to know how to stop this harassment. I'm willing to make XXXX payment, they took the XXXX payment with no problem.
Consumer complaint received 2022-04-29
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. (MI)

Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your account without my written instructions, So the credit bureau stated that my accounts was properly investigated but how is that possible when open dates are inaccurate, the last dates is inaccurate, the date report is inaccurate, payment history of account info is inaccurate, current year dates are listed on closed accounts recurring debt thats inaccurate, paid and settled accounts are still reporting as current thats inaccurate has not shown verification of debt, public records nor written agreement of any debt as requested in the past or current has not been sent to me as requested by the bureau these are grounds for removal - I send letters and submitted proof by certified mail, and hold copies on what has been send to them to the credit bureau on creditors disclosing & not addressing creditors that has been paid through thirds parties that continue to report accounts inaccurate public records verification has never been verified upon request and inaccurate reporting from all bureau, transunion, XXXX, & XXXX wasnt properly investigated on there behalf XXXX XXXX reporting through XXXX XXXX  which I have submitted paper work by XXXXXXXX XXXX stating they have no information in they database of me, so how is XXXX reporting inaccurate or accounts saying its Verify by XXXX XXXX XXXX which the bureau According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased a property in XXXX XXXX for investment. I received emails from someone posing as my title company with wiring instructions for the closing cost of the property. I found out 3 days later from my actual title company that I had been scammed. My bank immediately placed recalls on the wire and I made a police report. The recipient 's bank has said that they will not return the funds despite knowing that it was a fraudulent ( bank if America ) transaction. Bank of America is allowing criminal activity and is protecting their fraud.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (NC)

I was affected by the coronavirus and was given an option by Enerbank to satisfy a debt due to this and that if I did it would not negatively impact my credit however they did add it in XXXX as a charge off which negatively affected my credit score I was under the impression that the CARES act did not allow this and also told by them it would not and they are saying they will not take it off and I feel this is unfair given the pandemic issues we have been dealing with etc.
Consumer complaint received 2022-05-01
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: BMO Bank, N.A. (AZ)

On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, bmo harris is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. XXXX ) I have attempted to solve this issue myself. Here is what i did. 
XX/XX/XXXX i sent a request for removal to bmo harris through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. 
XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. 

I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. 

I have provided all documents needed below. 

Thank you
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Crypto scam - I wired money to my XXXX account then wired it to the XXXX account as ETH with a code that the online customer support gave me. That is a scamming website that I have reported and they're withholding my funds until I pay taxes upfront instead of it being deducted from earnings. after some research I found out they're not the legitimate XXXX website but XXXX which is a scam. My bank Chase is unable to retrieve my funds. Please help me I have invested {$11000.00} in to this XXXX website.
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2019-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Synovus Bank (GA)

Contacted XXXX XXXX for refund sent to inactive account for son Called XXXX, rep answered XXXX XXXX  XXXX. Advised needed to validate account and asked for pass code. Said sending a text to validate account advised to get son on phone to validate his account. Told me to logout of XXXX   XXXX while refund processed. Read off last transactions to me. Said could see sons account was inactive and a new account was formed. Said could not verify son. Received weird text from XXXX   XXXX saying cancelling {$210.00} payment. Rep said that was part of the process to validate. Said needed another contact in my cash app to third party refund. Called my mom XXXX XXXX. The rep gathered same info from her. Put me on hold. Got a fraud alert from my bank. Asked rep what was going on because bank called and texts started coming in sayin pin changed, card disconnected and money transactions and cancellations. Rep hung up. My account had been wiped cleaned. I tried to get back in XXXX  XXXX. Contacted fraud alert at my bank. Deleted account to prevent further transactions. 

My account was wiped of {$4600.00} in about 22 minutes while on hold with the fraudulent XXXX number. XXXX XXXX investigated and concluded my account was compromised and advised me to contact my bank for a refund. My bank denied the dispute and advised me to contact XXXX XXXX since I initiated contact with the fraudsters and file a police report. XXXX XXXX has yet to respond on my next steps for resolving my refund
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (GA)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (VA)

I settled this account under the impression that this would be deleted from my credit report to purchase my home. I was advised that after paying it that i was to get in contact with a higher department within Chase and the deletion would be imitated. The tradline still reflects on my credit report as settled in full and should be deleted.