davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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)

Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit 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
Consumer complaint received 2021-12-07
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: AMERICAN EXPRESS COMPANY (CA)

Purchased item from XXXX, charged it to AMEXPRESS, item shrunk fell apart asked XXXX for return, authorization given, asked for return label, SUBCONTRACTED SERVICE ON XXXX, BASED IN XXXX, FAILED TO PROVIDE PRINTABLE RETURN LABEL! Provided XXXX krix-kracks, attached to the package and deposited at US POSTAL XXXX into UPS designated XXXX cart!! Received temporary credit which was taken back 45 days later. No longer have the defective product, AMEXPRESS charging me {$37.00} with interest!! XXXX service has been interfering into XXXX  business issues and failed to provid proper business instruments. AMEXPRESS MUST PROVIDE CREDIT FOR RETURNED ITEMS WHERE SELLER HAD FAILED TO PRIVED PROPER MEANS FOR RETURN!!
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: Experian Information Solutions Inc. (AL)

You have listed an inaccurate Chapter XXXX-Bankruptcy record on my credit file, therefore I am filing this dispute of the Chapter XXXX-Bankruptcy Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular Bankruptcy record, including if this was obtained by a third party Information Broker and sold your firm. I want to see that the public record information that you are providing is Metro-2 compliant and contains the required complete personal identifiers. I have been advised by my family attorney that your credit reporting agency is required by the National Consumer Assistance Plan provisions to ensure that each public record does not create a MIXED file circumstance which I believe has happened in this case. Here is the erroneous record you are reporting. US BANKRUPTCY COURT-XXXX. I appreciate your time and attention to this matter.
Consumer complaint received 2022-08-10
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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (SC)

NCA/ XX/XX/2017 / account # - ( XXXX ) / amount {$2100.00} I did not open this account. I sent a letter to the debt collecting agency over 30 days ago, no response. I also reported it on the XXXX XXXX  and instead of verifying the requested information it was considered " verified ''. A copy of my signature on an original contract was not furnished at the time of this " verification '' process. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please note, since I have already sent this letter over 30 days ago with no response my rights have already been violated.
Consumer complaint received 2022-11-18
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. (GA)

Mailed Certified to transunion/XXXX  and XXXX asked for a verify/and or validate this alleged debt owed to XXXX XXXX  also requested the contract and signature that I provided to XXXX XXXX ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt This alleged debt is affecting my life and causing hardship, I am unable to move and on the verge of homelessness. 

Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2023-04-26
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. (FL)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.
Consumer complaint received 2020-06-30
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)

The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 XXXX Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX   {$1400.00} 22 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MD)

I submitted an initial complaint ( XXXX ) pertaining to US Bank not providing me refinancing on an existing mortgage I have with them due to a lack of documentation for a ground rent agreement they stated wasn't sufficient. 

They stated they documentation provided my my title company as well as documentation filed in superior court within the state of Maryland wasn't adequate. 

I ask them why would they deny refinance based on land lease agreement document being they have abided by it for over 9 years when they purchase my loan from XXXX XXXX XXXX. I asked they to provide evidence that the ground owner received and deposited the ground rent payment bi-annually from my escrow account. They were unable to confirm an stated an investigation was required to determine if the payments were ever deposited during the 9 year period and if the payments were deposited why didn't they request the ground rent agreement from the ground owner to complete the refinancing. They refused and stated they didn't know who the ground owner was and I needed to provided they with proof. 

After the investigation was completed and US Bank had already decided not to refinance my property they provided a response to CFPB stating " A review of our system confirms ground rent has been collected within the monthly mortgage payment since the loan boarded our system, with a first payment date ofXX/XX/.The next payment is scheduled to be disbursed from escrow in XX/XX/XXXX '' I purchased the property in XXXX which would mean US Bank has been deducting money from my money mortgage payment and placing it in escrow for ground rent for 9 years but will make the first ground rent payment on XX/XX/XXXX. This is documented in their response. 

What this proves is either US Bank never paid the ground rent in the 9 years I have had a mortgage with them and have been deducting funds for a ground rent they never paid in 9 years or they have been paying the ground rent and indeed know the identify of the ground owner and intentionally lied in attempt do cover up their unfair business practices. 

US Bank hasn't provided me with any documentation supporting or refuting the facts related to the identity, the payment history, the deposit history of the ground rent for the last year. 

I am requesting all documentation related to ground rent disbursements, deposit confirmation, escrow analysis proving payments were indeed paid out, and the identify of the ground owner. 

This will assist in determining is US Bank in good faith made an attempt to contact, obtain ground lease from owner which they had a relationship with through bi-annual payments for 9 years and if they weren't paying the ground rent why didn't they disclose this information so I could have worked with a lawyer or title company to attempt to legally obtain the grounds on which my home was built on.
Consumer complaint received 2024-10-12
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (NH)

Midland Credit Management has had my acct since XXXX. They had access to my checking account and were withdrawing money for their acct. 
XXXX to me to court in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX lawyer dropped everything It is now XX/XX/XXXX and XXXX is still calling 2 times a day 3 times a week There harassment has been going on since XXXX. XXXX years. They are traumatizing me. 
Please help get to the bottom. 
XXXX XXXX XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (IL)

I have attached Equifax 's response to my complaint # XXXX in which I requested that they remove " Bankruptcy '' from my file as I have been turned down by credit card companies, as a result of this statement. I do not believe that the spirit of the company is to hurt anyone but it does not create the reality of making this statement on my credit report. The bankruptcy filed was an error and it was quickly removed by my attorneys. However, no bankruptcy existed after one week. Therefore, all my creditors were fully paid and there were no charge offs. Equifax insists on using the " Bankruptcy '' even though it did not happen. I would ask that CFPB pleas use their enforcement powers to have this language and case removed from my credit report and any references. 
See attached from Equifax.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 at XXXX pm, an agreement was made with XXXX XXXX, a compliance XXXX for XXXX XXXX XXXX XXXX, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by XXXX XXXX XXXX XXXX and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at XXXX pm.
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX reports inaccurate information to my credit reports on Transunion, XXXX, and XXXX. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX would not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX- It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX XXXX with Transunion, XXXX, and XXXX- XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. Transunion, XXXX, and XXXX should have deleted the account from XXXX  XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX XXXX from my Transunion & XXXX credit report. XXXX XXXX XXXX provides three different contact addresses to XXXX, Transunion, & XXXX. The ledger balances from my XXXX, Transunion, & XXXX are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX  XXXX account with Transunion, XXXX, and XXXX it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX ; Experian and XXXX should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent letters to the credit bureaus asking them to verify the inaccurate and false information on my credit report. After doing so, these negative items are still on my credit report and is impacting my finances very severely. It has been over 45 days and these items are still on my credit report. I feel very taken advantage of and I will file for litigation if I have to. Please resolve these issues with my credit report immediately.
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (DC)

On XX/XX/XXXX at XXXX I was abruptly awakened from my dog barking loudly. Upon checking my XXXX XXXX XXXX was being towed by a XXXX tow truck. After being awoke the remainder of the night I called XXXX XXXX XXXX the next morning. They hired a third part company to illegally seize and wrongfully reposes my automobile. The third party towing company, XXXX XXXX XXXX, is a third party to the agreement/contract. XXXX shared my NON-PUBLIC personal identifying information with a third party. This is a wrongful repo and illegal seizure of my property as well a violation of my consumer protection rights. In addition the consumer did not receive a certified letter to cure prior to the repossession per federal and state XXXX XXXX XXXX laws.
Consumer complaint received 2021-05-06
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. (KY)

Someone opened up multiple bank accounts and credit cards fraudulently some XX/XX/XXXX. I reached out to both Trans Union and XXXX. XXXX took care of everything immediately and was great. TransUnion on the other hand has not. They are refusing to take XXXX XXXX off of my credit report despite me opening up approx over 6 disputes. The XXXX XXXX account was opened fraudulently and NOT by me. I also called XXXX indigo over 10 times and they say there is something being done yet nothing has happened. The first time I was able to contact XXXX XXXX was on XX/XX/XXXX. I tried to contact them since XXXX but the numbers online and XXXX XXXX were nothing but recordings. So on XX/XX/XXXX I spoke with XXXX she advised she would open an investigation and am affidavit would be in the mail within 7-10 days. I did not get one within that time I called back on XX/XX/XXXX spoke to XXXX who could not help me so he transferred me to XXXX. Spoke to XXXX he advised the same that he will reach out to their fraud department and an affidavit would be sent to my mailing address and the account will be closed it was an error on their end for giving TransUnion the wrong information. He said if I didnt get the affidavit in the mail then to call back in 5 days. I did not get the affidavit in the mail. I called back on XX/XX/XXXX spoke to XXXX he advised that the investigation was complete and the account had been closed since XX/XX/XXXX. Again he stated an affidavit is on the way and I should get it within 5 days. I call back on XX/XX/XXXX still no affidavit in the mail spoke to XXXX she advised she could not help me and told me to call back within XXXX minutes. Called back same day on XX/XX/XXXX XXXX minutes later like she asked and spoke to XXXX. XXXX stated that there was no investigation to begin with and that she would open one and an affidavit would be sent to me within XXXX days. Today on XX/XX/XXXX I get a notification from XXXX XXXX that someone had made payment on the XXXX XXXX card that was opened up fraudulently. I call TransUnion confused as to I was told the account was closed and that this was in dispute. They were no help and told me to open a police report. I fall the XXXX police department trying to open a police report and was advised I couldnt because the card was opened up by an Oregon bank and they do not have jurisdiction there. I am VERY frustrated on how this person is just getting away with it and Im the one suffering from it. I do not understand how this could take so long since I was NOT the one to open this account. I really need help. Please.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;