davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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: CCS Financial Services, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-03
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-02-18
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX
Consumer complaint received 2022-05-26
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 — Investigation took more than 30 days
Company: Global Lending Services LLC (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 there was a Breach for XXXX which i was apparently part of. On XX/XX/XXXX I received an email from XXXX XXXX regarding 3 accounts checking, savings and money market in my name that were opened. I did not open them and i contacted their fraud department. Yesterday I received a letter in the mail from XXXX Stating i opened an investment account. I did not and notified them of this. I then went online and put a security freeze on my credit reports and XXXX report. All except 1 company. That was transunion. It temporarily suspended my account because it cant confrim my identity. When i submited request to fix issue it wouldnt let me. I am now attempting to do this via USPS because the only way to contact these people is via social media to which i dont have and dont want to have. They are causing a dely in what i deem a time sensitive issue and id like to hear from them
Consumer complaint received 2019-05-06
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. (AL)

I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my XXXX XXXX for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I received a letter from the mortgage company who services my loan that they are requiring me to lower my deductible on my H06 home policy that met the requirements when my Broker closed my loan that they bought and only now when they bungled the renewal by only calling the insurance company once for the renewal when I have an impounded account, that the deductible doesnt meet there policies! Nothing changed it is the same policy and coverage that they purchased the loan with and I have signed nothing that says it has to meet their policy. That is between them and the broker. If they bought the loan they agreed to what was in the loan including the insurance and deductible. So not only would that increase my premium but could jeopardize my multi-policy discounts. They are not listening to me and are threatening to put their own insurance on my property. I have worked in the mortgage industry for 34  years and have had multiple personal mortgages and have never had this issue.
Consumer complaint received 2022-08-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is a " satisfied '' XXXX collection on my account and it's on two bureaus. 
They both have illegally re-aged it ( transunion and XXXX ) and XXXX does not report it ( becuase it's erroneous ) XXXX reports positive payments on a paid collection which is not legal or possible. Transunion reports current date of last active status. This should not be on my report abd the bureaus continue to report incorrect information.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MI)

My savings, checkings and credit account all were randomly closed by Chime on XX/XX/23, over {$52000.00} in totality of the accounts. I received an email stating the balance of these accounts would be put into the checkings and a check for the total would be mailed to me within 30 days. I have received a check from Chime for {$59.00} and after multiple ignored emails to Chime about this major discrepancy I called Chime Customer Service on XX/XX/23 and XX/XX/23, during both these calls Chime confirmed the check should be for the balance of over {$52000.00} but could not explain why this was not the case and said they would be escalating the case further up the Chime team because they could not solve the problem. On XX/XX/23 Chime sent one email stating Your account was identified for closure and does not qualify for a refund. No further explanation on where my money is or why I received a check that Chime has verified to me was for the incorrect total.
Consumer complaint received 2019-05-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BMW Financial Services NA, LLC (AE)

After obtaining written payoff instructions from BMW Financial Services, I followed their procedures with my bank, XXXX. XXXX overnighted a certified check with the complete payoff. USPS tracking confirmed it was delivered and accepted by a XXXX XXXX   employee one day later, XX/XX/2019. 11 days later and BMWFS still doesnt admit to having the check. XXXX also confirmed the check has not been debited. BMWFS has offered solutions to this problem which have not worked, including having XXXX call the USPS to see where it was delivered, and to issue another check. XXXX and USPS both confirmed the dates and addresses were correct. It appears that either BMWFS for have incorrect information, to include addresses, or their PO Box wont accept payments via this method.
Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OK)

DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Reported a debt to my credit when I was never notified of this debt. Secondly, it was regarding my XXXX XXXX XXXX cable account. I cancelled the account when I moved to an area they did not service, turned in all equipment, and provided a forwarding address. I do not owe them any amount and was not even given a chance to dispute due to not getting any correspondance about this.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

I sign up for Experian in order to dispute some inaccurate information on my credit report. I sign up with Experian with my correct name as XXXX XXXX XXXX, when I log in online to see my account, my name is shown incorrectly as XXXX XXXX XXXX XXXX, furthermore, the issues with inaccurate record with credit report was not fixed, instead, Experian kept asking me to pay for other membership level. 

I called Experian to ask them to fix this issue with incorrect information on my online credit profile, the person I spoke to verify and confirm my correct name on my credit report is XXXX XXXX XXXX, and they acknowledge my name is shown incorrectly on my online account on their system as XXXX XXXX XXXX XXXX with an extra XXXX. As a credit bureau, their job is to keep accurate record, not show incorrect data of customer when customer enter correct information then demand customers to do works for them. Even when they have the correct data on hand and acknowledge the mistake is with their site, they actually told me to get my government id and send it to their po box which I  refuse even though I have my ids because why should I do extra work to fix their mistake, and given that they are a consumer data gathering agency, it is their job to correct inaccurate data, not create mistakes on customer data and refuse to fix them even though they just said it themselves they know it was a mistake on their end and that they know what is the correct data on record.
Consumer complaint received 2022-08-12
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-05-07
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. (NY)

This is my third written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection .Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID and SS. Thank you.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Northern Trust Company, The (TX)

Northern Trust blatantly cheats my account to make their profits higher. 
1. The columns do not add up properly. {$3.00} + {$7.00} = {$10.00}, but their computer calls it {$10.00}. 
2. They charge outrageous fees for accounts they hide from the beneficiaries. My account generated {$10.00} in dividends, but XXXX  claims {$33.00} to manage it.

3. They promised to reverse the fees they charged to my account but now that they sent a statement, the fees have been restored and charged to my account.

4. This account with XXXX  should have been closed out years ago. Had I not complained last year, it would have continued until the whole account is whittled away to nothing for the beneficiaries. How many fees have there been over the years. I do not know bc they do not send me a statement on a regular basis. 

Northern Trust is a bad actor and should be sanctioned.
Consumer complaint received 2022-10-22
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)

On several occasions I've requested that Experian correct errors associated with my credit report. I proceeded to request a dispute of several items I found to be in violation of several consumer laws. On XX/XX/2022 I receive a dispute error saying " Looks like you've already filed a dispute for this item '' and further continues to say " Under section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. If you do have additional information, you can upload it here .... '' I've also called in multiple times, with specific verbal instructions, and even though I specifically pointed out that these accounts listed, do not have my written instructions to be reported in Violation of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604.a.2, Experian continues this law-less charade of violations until present day.
Consumer complaint received 2019-05-06
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: Waypoint Resource Group, LLC (CO)

I requested review of a past statute erroneous debt reported to XXXX   on XX/XX/XXXX. I had already reported this file to the other reporting bureaus and had the report successfully removed from my credit reports. I stated this debt was from XX/XX/XXXX and is past statute. However, the reporting agency simply updated the report to show the same dates as before and that the debt belonged to me. 

I again disputed the result by submitting images of my actual XXXX   bill and other debt collector statement claiming the same debt owed predating the date provided by Waypoint. No notification was sent to inform me that the review was complete. No changed were made by XXXX they simply continue to say the debt is verified.
Consumer complaint received 2021-03-31
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: GOLDMAN SACHS BANK USA (FL)

In XXXX of 2020 I purchased 200 rounds of XXXX from a fraudulent website called XXXX. The product for the last 9 months has shown in stock on the website. Their are countless reports of this vendor ripping people off, and they have a XXXX rating of an F. I have disputed this with my Apple card 4x and lost each time. I still do not have the product. I have threatening emails from the merchant telling me he will be my worst nightmare and ruin my life, and the credit card provider refuses to do anything.
Consumer complaint received 2021-03-31
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)

I submitted a dispute regarding inaccurate information that was being reported regarding my bankruptcy. My case number was not being accurately reported. Several attempts were made to dispute the information on my credit report. Experian and XXXX  report that the dispute was verified and accurate and that the reporting 3rd party agency XXXX reported the information as accurate. According to XXXX, no dispute was ever submitted and the Southern/District of California stated that they do not report to the credit bureau.