davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-08-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc. (NJ)

A debt collection agency is reporting negatively on my credit report and they should not be as arrangements for payment were made with the original creditor and a certified check has been cashed by the original creditor for the amount that we agreed upon. The only contact I have ever had with Financial Recoveries was to dispute the validity of a debt and request that they remove there account from my bureau reports. I had to make XXXX request for debt validation and when I finally received it, it was in an unsealed envelope with personal and private information exposed. Financial Recoveries have received proof of payment from me as well as XXXX XXXX showing my obligation has been met with XXXX however they refuse to remove the negative and incorrect info from my credit report. The original balance was {$1500.00} I settled with XXXX for {$750.00} which XXXX accepted and cashed my certified check but Financial Recoveries will not remove the negative info and are reporting that I still owe a balance of {$820.00}.
Consumer complaint received 2023-05-25
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 reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX  XXXX XXXX Balance XXXX {$43.00} ; XXXX  XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXXXXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX  ; XXXX  XXXXXXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XX/XX/XXXX.
Consumer complaint received 2016-09-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (GA)

We began the process with BB & T of a construction to permanent loan. After demonstrating we had sufficient income, credit, and down payment, we were extremely disappointed in the due-care and professionalism of our mortgage contact at BB & T. Our appraisal, although told by BB & T would take about 2 weeks to get back, took over a month and a half. The first XXXX versions of the appraisal were based on the wrong set of architectural plans and the next XXXX versions contained XXXX of XXXX houses in different school districts and XXXX of XXXX houses that were over 20 years old compared to our new construction. Our mortgage contact at BB & T was unresponsive, did not return emails, did not return phone calls, and acted in a manner that lacked professionalism. His response to my frustration with the entire process was simply to state, " duly noted. '' We have expended considerable time and energy to at this point and were extremely frustrated that we had to fire BB & T even though we met all of their pre-approval requirements and could just not get adequate professional service.
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX, 2015 I contacted XXXX ( XXXX ) for assistance with my mortgage. In coordination with this process, I was required to request loan modification from my mortgage provider Bank of America. XXXX requires the exact same documentation as Bank of America. While XXXX received, evaluated and provided me with a denial of my request based on my income, Bank of America has continually asked for additional documentation, although I have provided everything requested within a XXXX hour window, either by fax or document upload to their website. I would get a call from a " customer relations manager '' requiring XXXX more document. I would immediately provide it ( within XXXX hours ) and then a week would go by and then I would get another e-mail and another call asking for yet another document. Much of the documentation has had to be provided XXXX or XXXX times and still no resolution. Bank of America is now indicating that we wo n't be able to meet a regulatory deadline in order to complete a determination of the loan modification request. As of XXXX XXXX I have had a change in income. I have provided proof of that change, but Bank of America will not accept that documentation until actual receipt of a deposit to my bank account. Actual deposit wo n't occur until outside the XXXX day window Bank of America appears to working under. The fact that a determination has not been made ( up or down ) prior of XXXX XXXX is a tactic to deny me the opportunity to keep my home and have a more manageable mortgage. XXXX made an assessment and provided me with a determination over a XXXX ago. I believe Bank of America to operating in bad faith.
Consumer complaint received 2016-11-30
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (GA)

My mother 's home that is in a reverse mortgage caught fire in the kitchen. The home suffered smoke damage throughout ... There are two issues : 1. The contractor has not been paid by Reverse Mortgage Solutions , Inc . They are holding a check for over {$29000.00}. The check has been held for months. Obviously the contractor needs this and all future payments due immediately upon disbursement. 
2. The insurance adjuster representing the Mortgage company did not include all work needed to make the home livable again. The adjuster needs to return and accurately assess all damage so the insurance company will pay for completed work.
Consumer complaint received 2023-05-25
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2016-10-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (TN)

I have an account with XXXX who still show open with a balance and was send to collection without my knowledge. I want this issue to be fixed immediately. I want the collection to be remove in the time manner. I start received calls from collections agency about the debt that I will not know why in collection.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I applied for a mortgage and was denied. I was told that there were several accounts on my credit that were closed and charged off, and 1 was in collection. I pulled my credit reports and found XXXX accounts that i did not recognize. I spoke with all 3 credit reporting agencies and was told I needed to file a dispute and they would look into the identity theft. I filed disputes asking for verification of the dates and something showing how these accounts were open but all i kept getting told was the debts were verified and would remain on my credit report. On XX/XX/2023 I reported this identity theft to my local Sheriff 's office and submitted to XXXX. Once again despite me having a police report and XXXX failing to provide me with any proof these accounts were opened by me they once again told me these accounts were verified by the companies. I have no knowledge of these accounts and asked they be removed from my credit report but was told on 6 different occasions they were verified but refused to show me how or who verified them. ( XXXX XXXX, {$400.00}, XXXX XXXX  {$100.00} ) Both on XXXX
Consumer complaint received 2023-05-25
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date opened XX/XX/2015 XXXX : {$0.00}
Consumer complaint received 2023-05-25
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX acct # XXXX this account is reporting wrong on my credit report. The name and the debt is wrong on my credit report according to15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: I.C. System, Inc. (NM)

I received several calls from a company called IC Systems. The calling telephone number was XXXX. The person calling contacted me on my hospital on-call telephone ( I 'm a doctor and was on call ). I asked what it was regarding and the person said " a personal business matter ''. I informed the caller that if this call was not pertaining to a medical emergency or related matter, that it would be inappropriate to use this number. The person ignored this and went on to ask me a barrage of rude and intrusive questions. I firmly asked the person not to contact me again. I then sent a letter to IC Systems address on the internet : I.C. System, INC. 
XXXX XXXX XXXX XXXX, MN XXXX One week later, I received another phone call from them. The same result. Two weeks later ( today ) I receive another call ( from a XXXX ) in the middle of my work day. They gave me no information about what they are calling about, and are rude, intrusive and demanding and, moreover, calling a restricted number for emergencies only.
Consumer complaint received 2015-08-15
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc. (FL)

Dyck Oneil ( Texas collection agent ) is attempting to collect on a mortgage deficiency related to a foreclosure on my Florida home in XXXX 2014. They have failed to properly validate the debt, including the original credit information, and there was no deficiency judgment on my foreclosure. The final sale and transfer was completed XXXX/XXXX/14 and the one year Florida statute of limitations on any deficiency action has expired. I have contacted them multiple times and they have continued to report this debt, with a new " start '' date on my credit report in violation of the FDCPA. Experian continues to report this date in error and will not remove it without additional confirmation from Dyck Oneil.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : - ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquiry : 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 2023-05-25
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (TX)

I have reached out to Experian regarding an address reporting on my file of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX TX XXXX which is not my address and has never been my address. I have lived at my current address XXXX XXXX XXXX XXXX XXXX XXXX TX for the last 21 years. They state they can not removed due to the address being attached to a XXXX  XXXX XXXX account which I have disputed numerous times with no success. 

I XXXX the address in question and it belongs to a XXXX XXXX XXXX XXXX XXXX XXXX. That is a business not a residence and I have never lived there or worked there. This is why I have had the fraud alert on my credit profile and its very obvious it really does not work if someone still was able to access my credit and tried to apply for credit on my behalf. I am self employed and my business address is XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX. 

What I want to happen is to have the address deleted immediately. If they state it is tied to the XXXX  XXXX XXXX account which I have also disputed repeatedly, I'd like to have both deleted immediately.
Consumer complaint received 2018-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I had my girlfriend help me with my finances i have XXXX XXXX in XXXX AZ she changed my direct deposit to her personal Chase bank in XXXX XXXX account I berly found out. now doesn't answer me and keep {$6000.00} XX/XX/2018 - Install of XXXX, XXXX - Tran ID DP XXXX - {$2700.00} XX/XX/2018 - Install of XXXX XXXX, XXXX - Tran ID DP XXXX - {$2500.00} XX/XX/2018 - Sale Advance XXXX, XXXX - Tran ID DP XXXX - {$800.00} Let me know if the bank needs a release date from my end - I'll be glad to talk to them if any other bank information is needed - good luck Mr. XXXX, hope bank can resolve the matter for you soon
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I WAS AT THE BANK LOOKING TO BUY A HOME WHEN THE BANKER LET ME KNOW THAT I HAD ACCOUNTS, ADDRESSES, AND NAMES ON MY CREDIT REPORT THAT WAS NOT MY DOING THESE ITEMS ARE HURTING ME FROM BUYING A NEW HOUSE FOR MY FAMILY AND STOPPING MY BUSINESS.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (AL)

Actually to 15 USC 1681 I am entitled to an accurate credit report .Yo are reporting information on my credit with out my permission according to15 USC 605B also you are violating 15 USC 1640 you fail to send me proof that this debt exis along with a purchase agreement and detail billing of amount payment history contract wit my mark after asking for it.You are also committing identity their.This is the sixth time I ve requested proof and still nothing You also reporting everything different on each credit bureaus which is a violation
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (PA)

XXXX : XXXX XXXX XXXX, XXXX by XXXX XXXX Attorney XXXX Division of Consumer & Business Education , FTC If you have a credit report, theres a good chance that youre one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

Here are the facts, according to Equifax. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that  consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''