davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
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: CARRINGTON MORTGAGE SERVICES, LLC (MA)

CARRINGTON PULLED A CREDIT REPORT ON ME ON XX/XX/XXXX THEY HAVE NO PERMISSABLE PURPOSE TO PULL A REPORT. 
ACCOUNT WAS DISCHARGED IN BANKRUPTY IN XX/XX/XXXX.AFTER XXXX NO ENTITIY HAS A LEGAL RIGHT TO PULL A REPORT ON ME, I DO NOT HAVE AND ACCOUNT WITH THEM ALSO WHICH MAKES IT EVEN MORE ILLEGAL.STRIKE INQUIRT=Y FROM MY REPORT COPY BELOW FROM XXXX CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (CA)

This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. 
They have not yet validated the debt. 
I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. 

I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. 

I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.
Consumer complaint received 2020-10-09
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. (DE)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren'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
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (FL)

The accounts listed below are reporting on my credit report and stemmed from identity theft. I have contacted the bureaus multiple times to report this issue but it has yet to be resolved. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

Experiana website does not work. 


I had an experian pin. Their website is broken. And now my credit is frozen and I can not unfreeze it. 

I Unfroze my credit I tried a temporary unfreeze. The website kept telling me to enter a pin even when I had done so. 

Finally it worked with a permanent unfreeze. 

But I could not enter a pin to freeze it again. The same errorit kept telling me to enter a pin even though I did. 

Finally it worked but the error meant the website generated a pin, I think. I do not know that pin now. My old pin does not work. I dont know the new one. 

The website will not let me obtain my pin. The option that allows me to obtain a reminder sends me to a order form for a paid credit report. That is an error obviously, but it means I will have my credit frozen forever! 
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Consumer complaint received 2020-06-30
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. (ME)

I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit reporting bureaus.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (LA)

Specialized Loan Servicing, SLS, offered and i accepted Covid related modifications during the beginning and continuation of c19 lockdowns and severe unemployment.

Was explicitly told forbearance and any.modifications WOULD NOT AFFECT CREDIT REPORT NOR WOULD IT BE INDICATED ON MY CREDIT REPORTS. It IS SHOWN, and states a NEGATIVE with a 7 year expiration time for negative to be removed. Other people with different mortgage companies have NO indication of any mods and are in good standing with credit reporting companies. NOT SLS. Requested and they said could not do, even tho they stated at time of mod,, & is allowed under both Covid relief acts...
Consumer complaint received 2021-01-19
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. (TN)

I have been fighting with XXXX for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then XXXX certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc (NY)

I received a voicemail from a woman calling from XXXX. My phone registered this call as " Potential Scam. '' The voicemail implied that I had an outstanding debt with " XXXX XXXX XXXX, '' which had gone to collections. I was told I owe over {$1200.00} and that I had to call back the caller ( whose name was garbled and I could not make out ) at a different number than the one she was calling from. The number the caller provided to call back was : XXXX. She also provided an " account number '' that I was to provide upon calling back : XXXX. This woman also said she worked atJoseph, Mann & Creed, a debt collection firm. The woman used my first name, but not my last name. 

I have no idea what this debt could possibly be connected to and I believe it to be completely bogus. I have never had an insurance policy with " XXXX XXXX XXXX. '' I am careful to pay off all of my debts in a timely manner, and my credit report, which I downloaded today ( XX/XX/2020 ), indicates that any debts I have are associated with credit cards that will be paid off in the next billing period ( as I pay down my balance each billing period ). It is also worth noting that I have received no mail about this alleged debt and this cryptic voicemail is the first I've heard of any outstanding balance -- or even of the company I allegedly owe said balance to. 

Moreover, a search for Joseph , Mann & Creed reveals that numerous other people have been contacted by this company with the same claims. Individuals who complained of the same issue also indicated that they had never heard of XXXX XXXX XXXX.
Consumer complaint received 2021-01-20
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. (DE)

I believe there is an incorrect collections account reported on my credit bureau. I have successfully filed a complaint with 2 of the large bureaus using their on-line tools and call center. I have tried repeatedly to file a dispute with Experian but am unable to do so. I receive an error message on-line with direction to call an 800 #. When I call the 800 #, there is no option in the IVR to solve the problem. Instead ... they are trying to see me credit monitoring services. I looked online for other 800 # s to call. None of them were any use. 

So - I find myself in the odd situation that I'm unable to file a dispute because Experian has subpar consumer tools. I need help.
Consumer complaint received 2020-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

I sent an affidavit to Afni outlining their multiple violations of 15 USC 1692, with an invoice for compensation of damages. Their previous response to the CFPB complaint did not address the request for monetary relief. I have attached the notarized affidavit, the pieces of evidence, and the invoice to this complaint. These documents were delivered XX/XX/2020, via Certified Mail.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Hi, I am trying to refinance my home with Truist. I have never made a late payment and the home us worth about {$1.00} XXXX on a {$360000.00} mortgage. I began a refi in XXXX. 

But when they found out I am single and own my own business ( I am a journalist and author, I employ myself and one other person ), they began to harass me with request after onerous request. Two weeks ago they asked for a {$5000.00} P & L statement certified by my accountant ( i had already given them 3 months of bank account starements and a P & L from my bookkeeper ). I objected and said I would provide personal and business taxes. They agreed. Today they asked for my personal and business taxes by Friday or they would cancel the application. ( My personal ones are complete but still working on business apparently this giant bank does not realize business taxes were not due on the XXXX ). They have cost me tens of thousands of dollars as I have delayed repairs on my house ( replacement windows ) that I need to pay for thru a HELOC. ( It took them 3 months to get a payoff amount ). And I have incurred extra costs thru my accountant. They also asked for a letter from her, which she told me is illegal under Dodd Frank. 

My small business is thriving In fact you can see that I have just published an XXXX bestseller, foreward by XXXX XXXX. 
I am also an XXXX fellow. 

This is harassment of a single mom small business owner, pure and simple. I am exactly the kind of person our banking system should support.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (VA)

On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by XXXX XXXX, and Experian. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.
Consumer complaint received 2021-05-20
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. (PA)

XXXX, Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX, 2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MD)

Credit Collection Services has been harassing me and continuously violating my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$12000.00} to be paid via check for 12 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Credit Collection Services. This has caused me mental and physical distress and insurmountable pain. The certified return receipt was received on XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

To whom this may concern : My name is XXXX XXXX. My credit report was just hit with a Ohio XXXXXXXX XXXX This bill is not mine. The address where this service was on at I never lived at. Please can someone resolve this at soon as possible.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AZ)

I had signed with XXXX XXXX for their services. After many lies from the company, I had to deal with the corporate office and they apologized and offered me services for one year at a reduced rate. After completing the year, my bill almost doubled and I contacted XXXX XXXX who was then going through XXXX XXXX XXXX. Again, apologies but never resolved. In XXXX, XXXX, I had to move as the condo I was residing in was sold and I tried to transfer my service. The new senior XXXX XXXX I moved to would not allow XXXX XXXX dishes and told me I had to go with XXXX. I transferred my services in XXXX, XXXX and was billed in XXXX, XXXX for {$54.00}. Despite numerous calls to XXXX XXXX XXXX and apologies, they continue to bill me and have now turned this account over to a collection agency, i.e. Credence Resource Management , LLC. I do not owe this bill. I was billed a month in advance and paid my bill, this bill was supposedly for XXXX, XXXX, at which time I DID NOT have XXXX XXXX  services. I did talk to a supervisor in XXXX and was told this would be taken care of, but still XXXX XXXX XXXX messages and now collection ... HELP!!!
Consumer complaint received 2021-05-20
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. (MO)

I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XXXX XXXX 2021/XXXX XXXX, 2021/XXXX XXXX, 2021 and I have not received any response to this matter from Equifax, Transunion nor Experian. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.
Consumer complaint received 2021-05-20
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. (MO)

I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XX/XX/XXXX, 2021/XXXX XXXX, 2021/XXXX XXXX, 2021 and I have not received any response to this matter from XXXX, XXXX nor Experian. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

In XXXX I reported a dispute with CFPB complaint ID XXXX in regards to Equifax reporting that my mortgage account was closed. Within 48 hours of the complaint my credit score went up but Equifax still had it as closed. Today XXXX I checked my credit score an saw that it changed. I investigated an found that equifax had the account removed from my creditXXXX XXXX an XXXX  never had it as closed or removed. I contacted Equifax an they said that XXXX ( my XXXX  ) had told them that it was deleted. Keep in mind that my wife is also on the account an has not been effected at all. Im at my wits end with this company. According to Equifax they remove closed accounts after 7 years.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I entered a consumer credit transaction with CAPITAL ONE and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CAPITAL ONE claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CAPITAL ONE has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I applied for SBA EIDL advance XXXX of XXXX. I was approved and received funding into my Chase Bank checking account. I went to the branch the morning of my deposit, XX/XX/XXXX, to make a withdrawal from my account. I was told that my account was froze and to come into the branch to speak with the branch manager. He proceeded to tell me that I need to provide proof of business. I drove home to get my paperwork and return right back to the branch to provide my documents. I was told that my documents were submitted and that I would receive a call in 24 hours. I never received a call so I went back to the branch. I was told that unfortunately my funds were returned back to SBA and my account was closed. I proceeded to contact SBA and they specifically said that they do not receive returns and are unable to request a return once funds are sent to bank. Now XX/XX/XXXX I received a email from SBA notifying me that I am eligible for targeted advance funds but when I access my application it says that I received a {$10000.00} advance to MY Chase Bank checking account. I called SBA and explained the situation that happened XXXX of XXXX and they explained that I would have to get in contact with Chase Bank whom is now telling me that my account was closed at a {$0.00} balance and they are unsure where my funds have gone. Please help
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. 
They have not yet validated the debt. 
I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. 

I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. 

I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.
Consumer complaint received 2021-05-20
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. (CA)

XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.