davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
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. (TX)

My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, XXXX and Transunion. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.
Consumer complaint received 2017-08-22
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. (CA)

In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, XXXX and Equifax use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.
Consumer complaint received 2017-08-22
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)

In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, Transunion and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Recovery Management (FL)

Fox Collection Center reported a collection to my credit report without any prior dunning letter. I sent the company a debt validation by certified mail on XX/XX/2017 and it was received in their office on XX/XX/2017. It is now over 30 days and I still have not received any documents or communication from them referencing that I owe this debt.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In XXXX of this year there are two debts on my credit report. One of XXXX and another of XXXX. This is not my activity. I can not get access to see what company is reporting this. There is also payments posted to these amounts. Creditor reported $ 1+? What can I do?
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (TX)

This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for XXXX XXXX XXXX to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, Central Credit Services LLC has called me repeatedly even though I have written to multiple collections agencies who have each notified XXXX XXXX XXXX of my dispute and my requirement to cease phone calls to any number that may reach me. This CFPS complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Dear Equifax I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I have been disputing several accounts with Equifax Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. 

I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Equifax are violating my rights under this law. I sent out a certified letters to Equifax and have tracked delivery confirmation that they received my letter. 


I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months for employment purposes. 

The disputed items are as follows 1. XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Appreciatively, XXXX XXXX
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (ND)

I received a letter from Discover Student Loans stating " lat year we sent you a check as agreed under a Consent Order with the CFPB. Our Records indicate the check we mailed to you has not been cashed or deposited. '' After XXXX XXXX, 2017 they had to remit the funds to the CFPB and i would have to contact the CFPB in order to have a new check reissued. I contacted the CFPB on XX.XX.17 and they could not issues a new refund because Discovery Student Loans did not provide a 3rd party admin contact number to distribute the funds. 

As of right now I have no way of getting the check reissued until Discover provides the needed information.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (IL)

I previously disputed this exact collection and it was taken off. It was previously on my credit report before being removed as opened XX/XX/XXXX for {$600.00} and now it listed opened XX/XX/XXXX. It has now been re-added and under the opened dates have been changed to XX/XX/XXXX for {$600.00} with Diversified Consultants , Inc. as if it is a new delinquent account ... This account is listed on all of my three credit reports with the reporting bureaus. I have read guidelines that companies can not do this so I want it fixed as my score just plummeted almost 30 points for no reason. They were not able to prove that this even existed or is valid within the time period with you all and the reporting bereaus, so I do n't appreciate this company falsifying a new listing to do this. It 's unfair and how long will I have to keep going through this with the same company? I have not received anything in writing about this new supposed account either.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon careful review of my Transunion credit file I determined there is a Public Record listed under my name. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 
A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcy 's through third-party research.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX 
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Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX of the addresses listed on my credit report XXXX XXXX XXXX XXXX is incorrect. I have never lived on XXXX XXXX XXXX XXXX XXXX, Md. XXXX
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

OnXX/XX/XXXX2017 I called Chase to provide a PIN so that they could access my credit file, which I keep frozen for security. The weekend before I applied for a Marriott credit card ( which I recently closed out only to later change my mind on wanting the card ). I understood that I would have to apply again and I had no problem doing so. 

When I first called I provided the individual with the reference number ( XXXX ) which he used to being the process, however I had a call from my wife and had to terminate the call. I then called back about 5 minutes later and spoke to a different representative ( XXXX ). I informed her that I wanted to provide the PIN so that I could continue with the application process. She attempted to verify me by asking me to give the her credit limit of one of my other credit cards. I was n't sure of the limit since I do n't utilize that credit card often, though I informed her that I was in my vehicle trying to go to work. 

I was unable to give her that piece of information, though I know that I gave her my date of birth, address, the application reference number, my SSN, volunteered that I had recently closed out the same account about 6 weeks or so in the past, volunteered the other information about my account, read all of the physical information from the credit card that I was being asked to confirm the limit to ( number, expiration, member since date, CVV number ), cited the fact that my last name was spelled incorrectly on the XXXX XXXX 2017 letter from Chase, however this information was not enough for her. 
I asked to be transferred to a supervisor ( XXXX, unsure of spelling ). The supervisor asked me similar questions. However at one point, she asked me to provide the exact amount of a transfer that came into my Chase checking account ( with my wife ). Frustrated since, I would not know the exact amount of a payroll check that was deposited into my account and that was my wifes check. I asked why I would need to give this information when I was applying for individual credit. The supervisor indicated that this was standard verification. Naturally I wasnt able to give this number, nor would I if I did know since this appeared to be conditioning my application on information related to my wife. 
Eventually I was able to remember the credit limit for the card they were asking me about, and ONLY then was I allowed to give them my PIN to unfreeze my file to process the card ( which I was approved for in only a couple of minutes ). I was on the phone for over 30 minutes, for what shouldve been a 5 minute call, asked an unreasonable amount of verifying questions that hinged all on one credit card limit, late to starting work, and asked to provide information on my wifes income to process a single application for credit.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NV)

I requested a due date change on my account. I requested the due date change to the XXXX of every month instead of the XXXX. Reason being I get paid once a month on the XXXX Wednesday of every month. Due to where the fluctuation of certain days in a month occur, my pay day sometimes falls after my due date of the XXXX. I was informed because of where I live ( West Coast region ) the company is unable to change my due date. This inflexibility will sometimes cause me to be late with my payment. I am trying to be a responsible debtor so that none of my payments are late and I feel this company ( XXXX XXXX ) is hindering my ability to be a responsible debtor. Every other credit card I have, has been able to acquiesce my request.
Consumer complaint received 2017-11-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ad Astra Recovery Services Inc (CA)

The original debt was with Payday loan. It was taken over with Ad Astra. I originally provided a fully filled out check for the pay back to Payday loan which they apparently did not cash. It was at least a couple of years before I realized I had a problem. And Astra is on my credit report as a judgement even though the statute in California is four years and has clearly been over for a while. When will this issue be removed from my credit report?
Consumer complaint received 2017-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I bank with Chase bank. On XXXX/XXXX/XXXX, money from my savings was moved to my checking account, and via a feature offered by Chase XXXX XXXX XXXX, {$2000.00} was paid out to an unknown person. The next morning when I noticed this was done, I called Chase and they attempted to reverse the payment, which failed, and was unable to get my money back. I filed a claim with Chase, and they credited my money back while they investigated. During this time I had closed all my accounts, changed my online bank name and passwords, and opened new accounts. About XXXX months later the {$2000.00} was removed from my account, and on a follow up call they had notified me that the claim was denied, stating that because the transaction was done on the mobile device I typically use, they do not have enough evidence to prove it is a fraudulent activity. I had filed a complaint with XXXX and have not followed up on this until now.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX XXXX XXXX has no responsibility over the debt of XXXX XXXX XXXX XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.
Consumer complaint received 2017-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have a mortgage with BBVA Compass Bank. My insurance agent regularly bills Compass Bank at the end of each year. Compass Bank is then to pay out of my escrow funds. On XX/XX/2016, Compass Bank debited {$1000.00} for my insurance policy for the XX/XX/2016 year. They then claimed that they did not have evidence of my insurance. They then debited {$630.00} for their own insurance on XX/XX/2016 despite having records of the existing insurance. After resubmitting proof of this double charge, Compass Bank only refunded my account {$200.00} of the {$630.00} they charged for duplicate insurance. 
I have tried to contact them only to be hung up on through their automated answering service.