davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
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: Caliber Home Loans, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

In the past I disputed a collection attempt with Midland Credit Management through the consumer reporting agencies now as of this year 2021 I have been getting court documents for a debt legally Midland doesn't have any rights to.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

I have not been receiving important deposits into my account. Firstly my ex husband pays me child support every week with XXXX XXXX partnered with Suntrust and many other banks ), and I never had to do anything to receive the money. For the past XXXX weeks XXXX has texted me saying that my ex sent me payments and to receive them. They are not showing up on XXXX and I havent received any payments for XXXX weeks. Also the IRS sent my tax refund XX/XX/XXXX and it as supposed to deposit by the XXXX. I called suntrust the XXXX and they apparently dont even see the deposit. I think suntrust is intercepting these important deposits.
Consumer complaint received 2022-07-23
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)

Transunion is violating my federally protective rights accordance to the FCRA. I reached out multiple times via phone, mail and cfpb, for months about inquiries I did not authorize nor did they have my written instructions nor permissible purpose and Transunion failed to dispute or investigate inaccurate, false the information. There are several of the same inquiries which makes no since. I provided a FTC report and they said they do not accept those which will be in violation of 15 USC 1681. Provide me with the Method of the verification letter stating the method used to determine the accuracy and all documents and full proof including every employee contact information, that you received on behalf of the following inquiries. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

I just got off the phone with Chase Bank and I am both furious and worried. I am especially worried about the safety of my money along with others. A synopsis of my phone calls are below. 

XX/XX/XXXX I received a call from Chase Fraud. It is an automated call and states I am to call XXXX. I call and speak to XXXX. She needs to verify my identity. She wants to send a text message. I do not have a phone for text messages. After much to do, she asks me if my phone number ends with XXXX. I say yes. She states she will hang up and call me back. She asks for me to state my entire telephone number. I state XXXX XXXX XXXX. We hang up and she calls me back. She says there is no information at all on why Chase called and left that number. I tell her I think it is related to a transfer I placed online for {$21000.00} to XXXX and give her the transaction number. She states she is with debit card fraud and needs to transfer me to Customer Service. She also gives me the phone number of XXXX XXXX. She transfers me to XXXX in Customer Service. XXXX also wants to verify my identity. She wants the last four of my account number, then the last four of my credit card, then the security code on the back of the credit card. After that information, she states that she can not help me and needs to transfer me to the fraud department. She transfers me to XXXX. XXXX also needs to verify my identity. She asks me security questions similar to credit reporting agencies. They include the make and model of my car, my height, the make and model of a car I do not own, that one confused me because she asked for the color of a XXXX XXXX car, we own a XXXX XXXX truck so I answered red ( the color of our truck before asking for the question to be repeated and stating that we don't have a XXXX XXXX, then the address of a former home. I became suspicious after the 4th question and state I won't answer any more questions, even credit reporting agencies stop at three questions. She states she can not help me if I won't answer any more questions. I ask to be transferred to her supervisor. She transfers me to XXXX. Her title is Supervisor, but no last name. She states she has to verify my identity and since I refused to answer all of XXXX 's questions, she can not help me. It was extremely argumentative discussion with her repeatedly interrupting me. When she finally let me explain my complaint, she said I would need to go into my local branch with 2 forms of identification to verify my identity since I was uncooperative with XXXX.
Consumer complaint received 2021-06-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC (CA)

Trinity Financial, LLC. held a trustee sale on XX/XX/XXXX, on a property by picking up a dormant second that was believed to be remedied in a Making Home Affordable modification and principal reduction that was completed in XXXX. This second was held by another lender, XXXX and then XXXX and there had been no activity on the lone since XXXX. XXXX XXXX is the property owner 's current lender. The owner was under COVID 19 Forebarance with XXXX XXXX and remained in good standing. The auction was held on XX/XX/XXXX and there was a winning bid. The owner seeks to settle arrears as allowed through the Redemption Period with Trininity Financial, LLC. however, Trinity Financial, LLC. has not been responsive to calls. Has not returned correspondences and requests by the trustee company who conducted sale to connect with the owner. 

We are requesting contact information and follow up to discuss solutions with : Trinity Financial, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX NMLS ID # XXXX Georgia License # XXXX
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MA)

HAPPY SATURDAY! - : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NV)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-20
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: ID Analytics, Inc. (CA)

I'm making this complaint to SAGESTREAM. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2023-03-08
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. (TX)

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please take a good look at the following items reporting on my Crediet File : XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. I have read that under the Fair Credit reporting Act section 605b, you are required by Federal law to remove and block any accounts and information that resulted due to to identity theft. So please do so.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I've had a capital one credit card since XXXX, and never was late in a payment nothing, anyways everyday I get offers from capital one in my email constantly over an over so I decided a few times to apply because they said they wont pull your credit report an it wont affect it, well they have pulled my report several times I have several inquiries from them and I have been trying to build my cre ch it up for a while now so then I also get declined on the offer n they pull my credit repirt!! They are not helping my credit but ruining it!! Also they have my credit score at XXXX on my online capital one acct. And I check my reports often and XXXX  is XXXX it went down a few points and XXXX  XXXX n that has gone down some n XXXX  is XXXX which should be going up more soon so how do they sit n say my score is XXXX it's ridiculous and causing my credit report to drop becuz of the inquiries that they arnt supposed to pull they lie n lie n continously offers over n over so I'm really XXXX off they sit and lie to people and I want those inquiries off my report!!