davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2020-10-15
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. (IN)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX CO XXXX Account Number XXXX XXXX XXXX CO XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX   Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On Friday, XX/XX/XXXX, I discovered 2 unauthorized atm transactions on my account. 

Upon learning about these transactions, I contacted Chime customer service. I spent nearly an hour on the phone, between waiting and being transferred. When I spoke to an agent, I indicated that these transactions were not authorized and told them that this wasnt the first time this had happened with my Chime bank account. On XX/XX/XXXX, 2 similar transactions were posted to my account. One was {$300.00}, and the second was {$380.00}, for a total of {$680.00}. Chime investigated and determined that there was an error ; they credited my account for the balance of those transactions. 

On XX/XX/XXXX, the agent asked several questions regarding my account and transactions, which I answered honestly. The agent then advised me that Chime would be disabling my debit card to prevent further fraud. I told the agent that I believed that this was not an actual ATM transaction, and that I believed that this situation was similar to the XXXX transactions as I had not received an alert from Chime notifying me about either set of transactions. The Chime app alerts me to all transactions. I will often receive an alert before I leave the store where I made the purchase or processed an ATM transaction. 

Per the documentation I received today about these transactions, Chime has determined that this was not an error for the following reasons. 

Chime asserts that because I had possession of my card at the time of the transaction, and memorized the PIN, then I might have taken my own money out of the bank. 

Chime also argues the withdrawls are consistent with my banking behavior. They didn't acknowledge that large ATM transactions are rare on my account, or that I only visit free Chime ATMs, and specifically one in my neighborhood. Additionally, they argue that because there were no declined transactions on this debit card after these unauthorized transactions, then I must have already known what the balance was. 

This could be easily checked by confirming when and where I logged into the app to check my balance. I work remote, but I was working at my friends apartment so that I could feed his cats while he was out of town. I was sending emails at the time of the transactions, and the door man can attest that I was inside the apartment at the time. I was hungry, so I stepped out to eat. As I was not in my neighborhood, I checked the Chime app to locate free ATMs ( I only use Chime free ATMs ). That is when I discovered missing funds. 

Chime has indicated that the matter is closed unless I can provide new evidence. I can not afford to take a hit for {$620.00}. This is unacceptable.
Consumer complaint received 2020-10-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (CA)

Ref. : XXXX Loan # XXXX -Property Address : XXXX XXXX XXXX XXXX, XXXX, CA. XXXX - XXXX XXXX  , XXXX - Loan Number : XXXX +++++++ Dear Sirs, Greetings, with reference to the above mentioned Mortgage Loan that was initiated and completed by Owning Corporation on / about XX/XX/XXXX , I would like to direct your respectful agency to the following errors, omissions and negligence in fulfilling its terms and conditions : 1. Specialized Loan Services purchased and/ or currently servicing the above mentioned loan as XX/XX/XXXX from your client XXXX XXXX XXXX. ( DEBT COLLECTORS ) 2. We gave clear instruction via phone, certified mail, fax, wrote on the payment coupon and posted on the check itself that ; >>>>>> ALL PAYMENT MADE IN ADVANCE TO BE APPLIED TO THE FOLLOWING MONTHS PAYMENT, AND NEVER APPLY TO THE PRINCIPLE! <<<<<<< 3. Since XX/XX/XXXX, we contacted Specialized Loan Servicing almost every two weeks via phone, e-mails and in writing to correct the errors, omissions and negligence that plagued this account by applying the payments correctly to the following months required payments to no avail. 

4. Specifically ; we made a payment to XXXX XXXX  XXXX On XXXX, XXXX, XXXX that was again mis-applied to the principle and Specialized Loan Servicing purchased this account thereafter, therefor Specialized Loan Servicing is directly responsible for the correction and to process the proper credits to our account. 

5. As a result ; XX/XX/XXXX payment should not got to the Principle, but to be applied to XX/XX/2020 month required payment. 

6. Therefrom, our required monthly payment should be due in XX/XX/XXXX. 

And many others, in addition to over 15 e-mail to your Customer Support team who responded with a receipt and promised investigation of the matter, to no avail.

>>>>>>>>> Violations <<<<<<<<< ( DEBT COLLECTORS ) Specialized Loan Inc and XXXX XXXX  XXXX violated : Our Civil Rights by committing a persistent and egregious violations of " Fair Debt Collections Practices Act '', " Fraudulent '' intent to force a default on the account that was paid in advanced, " Unfair Business Practices '', " Mental and Emotional Distress '', " intentional harm and deceit '' and " Bad Faith '' in conducting business. 

1. Specialized Loan Servicing XXXX. XXXX XXXX, XXXX, CO XXXX 2. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX We spoke to the following Customer Services Representative and Managers to you company, who promised corrections and proper credit to the account yet they failed to do so : I. Ms. XXXX Employee # XXXX II. Ms. XXXX Employee # XXXX III. Mr. XXXX Employee # XXXX IV. Ms. XXXX Emplee # XXXX VI. Mr. XXXX Georgia Location Manager
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (TN)

XXXX, On XX/XX/2022 I received a phone from XXXX XXXX with McCarthy Burgess and Wollf stating I owed them a debt of {$280.00} and some change on behalf of XXXX. I never gave sprint any written consent to use my private non public consumer information with any affiliated or non affiliated third party. Nor have I ever contracted with McCarthy Burgess and Wollf. XXXX XXXX stated they would place the balance on my consumer report which is damaging to my reputation. I spoke to a representative for XXXX stating that my account is suspended but once payment was received I could start service immediately. My account was never closed but I have a third party law firm threatening me into payment of my own private matters. The XXXX representative stated that it was their policy to give my account over to the debt company even though it never closed and Im still incurring payments months after non use of the device.
Consumer complaint received 2020-10-15
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. (CT)

There are two fraudulent accounts on my Equifax credit report, both from XXXX XXXX. I discovered who the person was that opened these fraudulent accounts and got a police report from XXXX XXXX Police in CT. I followed FCRA 605.b to the letter and provided Equifax with all the needed paperwork. 605.b is clear that the info should be removed within 4 days. It has not been. Every time I call the XXXX  call center WILL NOT transfer me to the American office as I request. I am now receiving daily e-mails from Equifax, saying if I pay for their services they can help me. Clearly they are intnetionally violating the FCRA in an attempt to extract money from me.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NY)

In XXXX of 2021 I opened visa credit card with Wells Fargo. In promotion they promise me to give me {$200.00} cash reward if I spend {$1000.00} within 3 months. So I did. But not {$200.00} were given to me, nor even cashback that I earned using this card towards other purchases. I contacted Wells Fargo ( XXXX XXXX XXXX ) at XXXX XXXX and person ( supervisor ) XXXX XXXX don't want to talk to me, in very rude manner she trensferd me to executive office, where person named XXXX ( as she spell it to me ) after taking all my personal information simply hung up on me.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (LA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-07
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: Radius Global Solutions LLC (TX)

I have sent a letter asking for validation and it has been more than 30 days and they never responded and they reported the debt to XXXX. Failure to validate debt.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

This collection agency will not accept my principal balance and will only accept payment if I pay their collection fee of {$63.00}. The business in which they are attempting to collect the debt on behalf of insists they should waive the collection fee. Both companies provide different information and neither will accept the principal payment. 
The collection agency of Berlin Wheeler called my parent 's home in which is illegal and had no right to contact anyone besides myself. If this continues I will pursue legal charges. No contact to be made to any other individuals besides myself.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (VA)

Reported missing payments on house loan. 
Company 's name NewRez. 
Address XXXX XXXX XXXX XXXX XXXX MI XXXX Phone # XXXX Fax # XXXX I have auto debit bi weekly payment since i have this Mortgage Loan. 
They reported i miss the payment 3 times in six months. 
Its totally incorrect. 
I file dispute with them on XX/XX/2020 and after 30 days they send me letter saying will take more time not mentioned any period. they dont allow me to talk to Manager or supervisor about this matter. Even not provide name of them or ext. no for them. I am trying to refinance to get lower rate but i am suffering due to this reason no finance co. accepting our application.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have had an express department store card with Comenity Bank for years, never had a problem. I have been trying to log in and pay my account for almost a month and their system has been down for updates and not allowing anyone to make payments. When you call them, their office is temporarily closed. I cant speak to a live person, I have been unable to email them, but I have contacted them via XXXX and XXXX. I keep getting the same responses. That it will be fixed by XX/XX/XXXX and it hasnt. Now theyre telling me due to the high volume of people trying to make payments, I cant log on!? I have excellent credit, have never been late and Im very upset this will have a negative impact on my credit bureau. I am desperate for help, as are MANY others on social media if you look up Comenity bank
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (GA)

RE : XXXX XXXX XXXX My Suntrust Account was charges a series of {$120.00} debit against my Suntrust Account. These appear to be XXXX Charges but vendor was not able to be identified. Usually these types of transaction have a way to connect with the Payee ... but in this case there were 11 transaction to XXXX XXXX XXXX totaling {$1300.00} that I disputed with Suntrust and and was not able to get reconciled. I have attached a copy of the transaction detail supporting the charges.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Ive received a letter back on XX/XX/2019 from Equifax asking for additional info of my identity for my credit dispute letter when Ive already sent them a copy of my Drivers license and Social Security Number. And I even got my letter notarized for {$10.00}. Now I just sent another dispute letter with the same identification info with another notarized for {$10.00} and an additional letter stating that I will report them for stalling my disputes. I believe its a stall tactic that theyre playing with me I dont take it lightly. I did not make a copy or photo copy of the letter I sent but I do have the letter format saved in my documents. But also I do have the receipt of the notarized letters. 

Thank you
Consumer complaint received 2020-10-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2019-05-06
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. (CA)

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are collections listed that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 

XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

XXXX XXXX XXXX  summited my account for collections to XXXX XXXX XXXX XXXX in the amount of {$280.00}. I paid XXXX XXXX the full amount on XX/XX/XXXX. Earlier in XXXX, XXXX XXXX sold the account again to Nations Credit Systems.

I am in the process of refinancing my house and them doing this is uncalled for and illegal. Any assistance you can give would be greatly appreciated.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I asked each credit reporting bureau Experian, XXXX  and XXXX  to please remove address XXXX XXXX XXXX XXXX XXXX XXXX from my credit file because I am a victim of XXXX   XXXX and I am currently at risk of being targeted again because of addresses being reported without my consent. I did not authorize any company to report any physical addresses to my credit report because I am in definite fear for my life and my family.
Consumer complaint received 2020-10-21
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. (AL)

I am a victim of identity theft. My personal information has been compromised. Someone has opened up fraudulent accounts in my name. I did not authorize any of these accounts. I am a victim of identity theft and I am being further victimized by the bureaus. Please investigate these fruaudlent accounts from my credit report. I am trying to buy a home for my family and these fraudulent accounts are casuing me and my family emotional distress.
Consumer complaint received 2020-10-15
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: CITIBANK, N.A. (FL)

Citibank has recently put a collection account on all 3 credit bureaus just recently without warrant and proof that this account belongs to me. This account has never showed on my reports then suddenly shows up with dates that I never opened this account. The amount is for $ XXXX. I have called citibank recovery directly and to no avail they have not helped nor shown me proof that this account does belong to me as it has severely damaged my credit and my ability to buy a home in the coming months. This needs to be resolved immediately as I will take legal action against the company.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

There was a collection added to my credit file from XXXX XXXX. It was placed with Experian today XX/XX/2020 and with XXXX  and XXXX  last week. I dont have any business with this collection agency nor the original creditor. This is a bogus collection account that does not belong to me. I disputed with XXXX  which it was removed. Ive tried disputing with XXXX and Experian and I keep getting an error message. XXXX  will not let me get thru the phone line.
Consumer complaint received 2024-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (OH)

Debt Validation letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> Diversified Adjustments ACCT # XXXX Diversified Adjustments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX Subject : Cease and Desist Demand and Formal Dispute of Information Dear Diversified Adjustments, I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : Diversified Adjustments collection amount {$960.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports. 

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). 

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility. 
If the information can not be verified, remove it from my credit report immediately. 
Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution. 
Provide me with a corrected and updated copy of my credit report. 
Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law ( typically 30 days ). 

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws. 

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX