davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Bureau, Inc. (GA)

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Product : Debt collection Issue : False statements or representation See complaint referenced above. The same people for the same debt continues to post this debt to different credit bureaus ( XXXX and XXXX ) under different names, not honoring the agreement made in XXXX. This is harassment and I should be given the right to sue based off this type consumer harassment that is baseless, unwarranted, and extremely prejudicial to me due to me refusing to allow one of their agents to harass me by phone in XXXX. An agreement with a third party representing XXXX and any of its many names should be an agreement honored and I should not have to see any posting of a collection for XXXX XXXX XXXX course on any of my credit reports. I have provided all documentation in complaint number XXXX back in XXXX. Why is the current administration allowing citizens to be treated by corrupt businesses in such an inhumane manner? There is no reason why I should still be dealing with this 2 years later when I held up my end of the bargain. If they want to continue to post this as a collection item, paid or unpaid, I want every dime back that I paid into this agreement.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (FL)

SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-05-26
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. (FL)

SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-05-26
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. (IA)

XX/XX/2020 - submitted online credit application to XXXX  XXXX  XXXX   XX/XX/2020 - received emailed letter from XXXX XXXX XXXX stating denied for " history of delinquent credit obligation ( s ) '' XX/XX/2020 - contacted Experian for copy of credit report and after receiving that about a week or so later called XXXX  XXXX  office who told me to contact Experian who told me to contact XXXX  XXXX  who told me again to contact Experian - I've talked to them 3 times now with no resolution other than to tell me to call XXXX XXXX back XX/XX/2020 - I called XXXX directly based on info under Hard Inquiry on my credit report who also informed me they are not a credit reporting agency and that I have to talk to Experian XX/XX/2020 - called Experian again and was told there's nothing wrong with my credit report and to call XXXX XXXX again
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX Account XXXX ss XXXX XXXX   ATM dispute. 
At XXXX, on XX/XX/2020, I attempted to deposit {$730.00}, cash, into ATM number XXXX on XXXX  XXXX XXXX and XXXX XXXX XXXX 

The machine immediately started making a lot of noises prompting me to immediately push the button to return my cash. However, instead of my money, it spit out a reciept that stated " we are unable to process your request and can not return your items. '' I instantly contacted the number ( XXXX ) listed on the receipt and I was able to pull of the machine XXXX dollarsof my money now I stand falsely assured that my money would be credited to my account. 

I am horrified and dismayed that after more than 2 months, I am now being notified that I stand to lose {$400.00}, because of a machine error. The cameras should reflect that no money was ever returned to me. Furthermore, if this is a common occurrence, a notice should be posted " deposits made at your own risk. '' It is imperative that the {$400.00} be IMMEDIATELY credited to my account, as I need it to pay for my mother 's XXXX home and as of right now, the account is in the red because of the error. I have call the company many times and they stand on their decision. This money is needed to paid for my mother 's XXXX home. 

I expect a call as soon as possible to rectify this situation. 

Respectively, XXXX XXXX
Consumer complaint received 2020-05-26
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. (CA)

XXXX Account number XXXX. In their letter dated XXXX XXXX informed me that they a sent a request to Experian to delete the XXXX Account number XXXX. Experian has not deleted this account from my credit report. Experian claims that they have verified the information with the data furnisher. I've sent Experian a copry of the letter from XXXX. In the letter XXXX states that they have sent a request to Experian to delete the XXXX account from credit report. Experian has failed to comply with the request from XXXX.
Consumer complaint received 2020-05-26
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. (FL)

I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted XXXX about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, XXXX and Experian about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted uheaa/Cornerstone about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, Equifax and XXXX  about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems , Inc. failed to validate the debt in question per my written request opting instead to attempt to merely verify said odious debt. 

Furthermore, I was fully absolved of any debt by the creditor in writing on XX/XX/19 Said alleged creditor never proved that I submitted any false information that would have legally invalidated my debt being absolved. Instead, they have broken the terms of their statement of debt forgiveness unilaterally. 

Now I've received correspondence from MDS , Inc., attempting to illegally extract capital from me and stating that they have notified the Credit Reporting Agencies of this false debt as though it were genuine.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I made a flight reservation with XXXX XXXX with my chase card for {$1000.00}. This was a returning flight from XXXX to XXXX XXXX on XX/XX/XXXX. 
When I arrive at the airport, the check in agent refused to let me board the plane claiming that they don't accept my passport. I explained to them that I just travelled from XXXX XXXX to XXXX, from XXXX to XXXX, from XXXX to XXXX, and XXXX to XXXX, so now I am going back home. Me and my friends were stuck at the airport and they didn't understand XXXX well. 
Then another agent came and said that he is willing to let me on the place but needs the same credit card I used to book the flight in the first place. He said that there is a reroute and instead of of regular stop in XXXX, there would be a stop in XXXX. he then took my card saying that it was just to confirm and part of there procedure. When I arrive home in XXXX XXXX, I say my statement and noticed that the guy wad a fraud and charged my card for {$930.00}. 
I then spoke top chase about this and they started a dispute. They then responded back to my dispute claiming that they will not refund me the money. I then said I refused and that you are not understanding the claim, the chase agent said that they are looking into it. Now, its been around four months and they are not helping much. They are not even looking into the claim anymore saying its been closed. This was very sad to hear. The charge was unauthorized and fraudulent and this is the first dispute claim I made with chase. I believe the bank is being unethical or there is miscommunication that they are not wanting to resolve and would like some further help from CFPB to resolve this as soon as possible.
Consumer complaint received 2020-05-26
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. (CA)

XXXX ; XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on 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 bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX and XXXX are incorrectly reporting an account where I am shown as an Authorized User on 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 bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (NY)

*On XX/XX/XXXX I received a collection notice from Linebarger Goggan Blair and Simpson LLP ( LGBS ) in an attempt to collect a debt on behalf of XXXX XXXX. The notice was dated XX/XX/XXXX and the account number on the notice is # XXXX. The debit is in the amount of {$46.00} ; *On XX/XX/XXXX I contacted LGBS by telephone to explain that the transponder was returned to XXXX XXXX   XXXX in XX/XX/XXXX when I sold my vehicle ( and did not purchase a replacement vehicle so I had no need for a transponder ). I explained that the transponder was returned and did not owe any fees related to it. The individual I spoke with stated that I needed to dispute the debt in writing by sending a letter to LGBS which I did on XX/XX/XXXX ( letter uploaded ). In that letter I indicated I was disputing the claim as the transponder had already been returned and I requested a transaction history showing the charges that were assessed after the return of the transponder. 

*I was never provided with any information about the disputed debt by LGBS or XXXX XXXX however, I received an invoice from XXXX XXXX dated XX/XX/XXXX. On XX/XX/XXXX I wrote yet another letter to LGBS ( also attached ) that I disputed the debt and I was again disputing the debt until I was provided with irrefutable documentation to support the collection claim ( which would not exist as I returned the transponder in XX/XX/XXXX ). In that letter I stated that if the matter was not resolved in accordance with the Fair Debt Collection Practices Act I would escalate this issue to a regulatory agency. Again, I never received a response to my letter disputing the debt for a second time. 

*Yesterday ( XX/XX/XXXX ) I received a SECOND NOTICE from LGBS regarding the debt. Ironically, the Notice states, " You have failed to respond to our correspondence and we are assuming this debit is valid ''. In actuality, I responded three times to dispute the debt ; a telephone call on XX/XX/XXXX followed by a letter date that same day as well as another letter dated XX/XX/XXXX. 

*I strongly believe that LGBS should be fined for non-compliance with the FDCPA due to their careless disregard of the Act and my rights under the Act. If they are doing this to me, they are obviously taking the same tactics with other consumers many of whom may not know their rights.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (GA)

On my XXXX Credit Report, a derogatory mark is listed for " Waypoint Resource Gr - Original creditor : XXXX XXXX XXXX '' for {$100.00}. This company has been trying to collect this " debt '' from me for years. I have not had a XXXX account since XXXX ; however, this debt is listed as being opened on XX/XX/XXXX. 

When I switched internet services in XXXX from XXXX to XXXX, a final bill was sent to me and I was to return the company 's equipment. I returned the equipment to one of their locations and paid my final bill at that time. I do not even have the checking account I used to pay for this final bill anymore as I closed that a few years ago. 

I have previously had this debt removed successfully from my credit report, and now it has magically shown back up as apparently a brand new debt. The debt should not be there at all, but it should certainly not, under any circumstances, be listed as having been opened in XXXX of XXXX. That seems particularly fraudulent and as if Waypoint is trying to get around the previous removal of the debt from my credit report.
Consumer complaint received 2019-06-25
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: Auto Trakk, LLC (MI)

There is an repossessed car that was fraudulently put in my name. I've sent in paperwork and police report showing it wanr my vehicle and yet XXXX won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against XXXX   and the company AutoTrakk LLC
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Mr. Cooper continues to be incapable of managing an escrow account. This will be at a minimum the 5th times I have filed a complaint about their mismanagement of my escrow account since XX/XX/XXXX. 

I have been emailing them since XX/XX/XXXX about my increase in real estate tax, and they have REFUSED to correct my escrow withholding to cover this increase. They almost sent me money back which would have shorted it just before the payment was due by more than {$100.00}. 

I again, last week emailed them about the continued error in the escrow analysis, using last years tax amount for the upcoming XX/XX/XXXX payment and they REFUSE to fix it. 

This company has no business staying in business. What will it take for you to shut these crooks down?
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Right Key Mortgage, LLC (MA)

Right key mortgage almost made us lose money invested into a house, including inspection, appraisal, and FHA repairs worth over {$3000.00}. They wanted us to bring an additional {$10000.00} to closing at last minute- two weeks prior to closing. They neglected our process and then towards to end were not able to close ; forcing us to switch companies entirely. Once this happened, someone on their end called our new company and disclosed my personal information with the sellers agent in orders to affect out closing. Luckily we still got the house after a nightmare of a process. Very unhappy with their lack of professionalism and how they disclosed my personal information without my consent.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$810.00} } to and ( {$1100.00} ) on my credit report. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be  removed from all three credit files.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX XXXX. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$370.00} } to XXXX and ( {$640.00} ) for XXXX on my credit report. I have contacted XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

PER FTC SECTION 609 & HIPP my right are be vitiated I ask the credit agency to verify these accounts are remove them from my credit report. I am a victim of identity theft also and the credit agency 's continue to validate my accounts as a normal dispute.