davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
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: Credence Resource Management, LLC (MD)

Dear XXXX I am writing to dispute the following information that appears on my XXXX  consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to Credence Resource Management, was added to my XXXX credit report. On XX/XX/XXXX I requested varification, from Credence Resource Management , LLC, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Credence Resource Management on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from Credence Resource Management dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. 

On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by XXXX and requested the method of account verification. On XX/XX/XXXX I received a letter from XXXX which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. 

Credence Resource Management has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and Credence Resource Management LLC, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report immediately.
Consumer complaint received 2022-10-12
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. (CA)

Complaint Summary : On XXXX, XXXX I received my credit report from Experian Credit Bureau. I pay attention on unauthorized charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX account which for some reason was opened on Saturday XX/XX/XXXX without my authorization. ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, CA XXXX. I never been a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, do not received any correspondence or legal bills. I did not used any services, didn't open any accounts or credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and didn't authorize anyone to do so on my behalf. Also according Legal Protection, my Credit Report is Freeze and Locked from XX/XX/XXXX to provide any requests for any financial companies in XXXX XXXX Credit Bureaus. On XXXX, XXXX I have contacted with Experian Credit Bureau regarding this accident for removing unauthorized charges XXXX XXXX XXXX XXXX / XXXX XXXX from my credit report but for some reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied my legal request. Please see attached files including XXXX police report XXXX. Thank You.
Consumer complaint received 2021-02-24
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: Sequium Asset Solutions, LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-02-23
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: Experian Information Solutions Inc. (CA)

How long does it take to get results after a dispute is file?. I am aware it supposed to be 30days well we are now way pass 30 days and still nothing. I dont feel that I should have to be writing this complaint just to get my results. Are bureau not working because of Covid? Because that the only reason I can see why they arent replying to me. There is no excuse for this.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX, I recieved a notice from Paypal that my account would be limited due to " using my Paypal account in a questionable manner '', and when I logged on my account, the website told me to provide a description of item that I sold. However, I received money selling through ebay, not paypal, and none of that money went into paypal. I put in the description box that I did not sell any items through paypal and I sent the verification, alongside my ID. I also did not sell anything illegal or against the terms of service, and I have been using my paypal account normally for almost two years. 

Four days later, I received an email saying that I can no longer use my PayPal account. I called the customer support number and when I explained my situation, they said that nothing could be done and that there would be no reconsideration. I insisted that they reconsider my case, and the rep told me that there was another department that they would forward my case to, but I honestly do not think that action will be taken to restore my account. 

I also emailed my case to XXXX five days ago, and I am waiting for a response. 

I believe that the ban was wrongful because I did not do anything wrong, and they would not provide a reason why I was banned, so there is no recourse.
Consumer complaint received 2022-10-12
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. (MO)

I am submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX Owed XXXX {$2000.00} XXXX FS XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Me have contacted the credit people for the inquiry on me credit report. The inquires are *XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Me no give permission for these company to get my inoformation.
Consumer complaint received 2021-02-12
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have loan with carrington mortgage services in my home XXXX XXXX XXXX  XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The XXXX come as REFER/ELIGIBLE.Please advise carrington to remove this 30 day late reporting. I ATTACHED THE XXXX XXXX
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

Applying for a refinance and the title company sent me a letter about a judgement against me. This debt is not on my credit report, nor did this judgement come up when I purchased the house two years ago. I never received any written proof that this debt is mine, nor was I ever notified personally by mail or phone call.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I went on line with Citizens Mortgage wanting to pay an additional {$100.00} towards my principal on XX/XX/XXXX a payment of {$1700.00}. On XX/XX/XXXX a second payment of {$1700.00} was again automatically withdrawn from my checking account at Citizens Bank. When I checked my account on XXXX I saw the 2 payments had been taken instead of one. I contacted Citizens Mortgage at XXXX was told by automated message I would have wait for a call back back on XXXX at XXXX XXXX. A representative called on XXXX and said I could not receive my funds back for 10 days, despite the funds being taken from my XXXX. Upset as I was I agreed he said he would make a note and the funds would be returned to my account. I waited until XX/XX/XXXX still no funds returned. I called again and the representative said due to weather in TX my refund was not processed until XX/XX/XXXX and it would take 5 business days for it to be processed and 5-10 for me to receive my funds in the mail. These funds were never credited to my mortgage and they have held them for 23 days and I cant expect return for another 10 days. Poor customer service and lack of urgency.
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

XX/XX/XXXX I was sent a lawsuit of {$2700.00} to be garnished from my wages due to a hospital bill with {$130.00} towards court costs. I was told via payroll that my garnishment was paid in full in XXXX. I was then sent another lawsuit for the same cause number & judgment amount on XX/XX/XXXX stating a owed post-judgement interest to date & ADDITIONAL court costs of {$1300.00}. I was told it took 2 years due to COVID 19. I feel as if this LLC COMPANY is practicing unfair debt collections accumulating interest on an original judgment amount that was already being garnished. Also do not see how something that took two years on their end can continue to " accumulate interest ''. Not to mention the original & second copy of the lawsuit has a social security number which is not even mine, it is my mothers when I was well over the age of XXXX so she would not have taken me or signed for me.
Consumer complaint received 2021-02-12
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. (UT)

On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.
Consumer complaint received 2021-02-23
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)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Trans Union has yet to ADJUST MY REPORT AND XXXX. i HAVE MAILED THEM AND REPORTED TO THE CFPB
Consumer complaint received 2020-08-14
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. (AR)

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.
Consumer complaint received 2021-02-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

My mortgage company still has not fixed an issue with my taxes. The timeline is as follows : XX/XX/XXXX The ECheck issued by my mortgage company from my escrow account is dishonored by their bank, and the county returns the funds. The money is supposedly in my escrow account as I paid it at closing. 
XX/XX/XXXX The funds are returned into my escrow account XX/XX/XXXX I receive a letter informing me of the dishonored check. I reach out to my Mortgage company and they ask for a copy of that letter. I sent a copy of that letter, and they said it would be handled within 7-10 business days. 
XX/XX/XXXX I send a secure message to my mortgage company via their website. No response as of today XX/XX/XXXX XX/XX/XXXX I call my mortgage company. I am placed on hold, then the call disconnects. By the time I get through the automated system, it as after XXXX and they are closed XX/XX/XXXX I call my mortgage company again. I am told they can not help me as the department I need to speak to is closed. 

As you can see, I have attempted many times to get a resolution to this issue, but to no avail. I don't know where else to turn.
Consumer complaint received 2022-08-20
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)

This is XXXX XXXX and I am submitting this CFPB complaint regarding the continued reporting of the fraudulent items on my Credit Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these the Following items completely from my Credit File : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

XXXX sold a debt in XXXX and a collection agency Creditor Name AMSHERCOLLECTIONSERVICES obtained debt claims account was opened XX/XX/XXXX and placed in collections XX/XX/XXXX for a XXXX Debt wasnt incurred by me and collection company has been harassing me via phone and letters claiming to seek a lawsuit.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I disputed a Bankruptcy that was placed on my Equifax credit report in XXXX an it was deleted from my report. Equifax then decided to reinsert that same inaccurate bankruptcy back on my credit report. This is violation of the Fair Credit Reporting Act. I have since then written letters to Equifax pertaining to this matter and I have not gotten a response. My latest letter was sent out in XXXX of XXXX  and Equifax never acknowledged the letter, nor did the respond at all. The Bankruptcy is still showing on my credit report an it needs to be deleted.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express XXXX XXXX XXXX was cancelled today, XX/XX/2022 by American Express. I pay my card on time and in full each month. My credit score is above XXXX. American Express justifies the closure based on disputes I had with a merchant ( XXXX ). Those disputes ended in my favor. American Express charged me {$450.00} for 12 months of service ( aka annual fee ) on XX/XX/2022. They have not fulfilled their 12 months of service by cancelling this card, however they refuse to refund the annual fee. I have called American Express and tried to resolve this, and was transferred over seven times. Again, they have not refunded the fee. In compliance with State Law, I am requesting that the {$450.00} annual fee be refunded for services not rendered.
Consumer complaint received 2022-12-13
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: Conn's, Inc. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX has reported me as late 3 times on my Auto Lease account. Once in XX/XX/XXXX, again in XX/XX/XXXX, and in XX/XX/XXXX. I have never been 30 days late on this account as reported on my credit bureau reports. I have asked XXXX XXXX for proof of these late payments and have never received bank statements or any other documentation showing that I was late on these payments. I have not received anything.