davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

Im XXXX I signed up for XXXX services. I never received the SIM cards or any equipment. I contacted XXXX and informed them that I never received the SIM card. XXXX XXXX did an investigation which shows I never utilized the services due to me never receiving the SIM cards. XXXX XXXX reimbursed me my activation fees due to I did not use the service or no cards were used. I am Being billed for services never provided and send to collections I have Been calling XXXX for 2 months and they first told me they would correct this by sending up a ticket to I have to deal with the collection agencies. They are staying the account was closed but how can an account be closed for no payment when I never received to product to utilize the service. What are they charging me for.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I believe I was a victim of age discrimination in applying for a credit card because I am XXXX. 
In early XX/XX/2022 I applied for a " XXXX XXXX '' account ( XXXX  ) ( XXXX ) for dental expenses. [ " XXXX XXXX '' is issued by " XXXX XXXX  '' ] This was in response to a promotional brochure displayed in my dentist 's office. One of the offers was, up to {$10000.00} interest free payable in 24 monthly installments of {$410.00} XXXX. The application procedure required me to contact ( XXXX ) on a cell phone, XXXX or similar device. In addition to the usual information requests, they required a photograph of both sides of my driver 's license and a 5 second video of my face while moving my head from left to right. I found this difficult to complete within the time allotted and my application was denied. Over the next few days, I made more applications until I thought that I succeeded ; however, I was rejected again due to " Prior application submitted to recently '' I made several more attempts including by telephone and on-line direct. The last rejection ( s ) were due to " Application has risk factors that cause us to be unsure of your identity. '' On XXXX XXXX, I contacted both XXXX XXXX  and " XXXX. XXXX XXXX  '' and their response ( s ) were " I will get thee reason ( s ) in the mail in 7 to 10 days '' I believe I was rejected due to my age which is XXXX!
Consumer complaint received 2019-05-20
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. (NC)

XXXX ; XXXX and Transunion are reporting incorrectly that I am in Collections, and 120 days or more past due, on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.
Consumer complaint received 2023-12-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

Over 30 days I sent the attached letter to Columbia Debt Recovery requesting Debt Validation and Debt Verification. It was sent via US mail. They did not respond at all. 

I filed disputes directly with XXXX, XXXX, and XXXX. Their response was as follows : Investigation complete, reported by the debt furnisher, this item remained unchanged from our processing of your dispute in XXXX XXXX. Columbia Debt Recovery Collector provided absolutely no documentation, proof, or supporting evidence ( as Ive requested ) to verify the legitimacy of this debt, explain, or validate the results of their baseless and empty investigation. The alleged debt is totally fraudulent and the information reported to the Credit Bureaus is false. I do not owe this money. 

For these reasons, Im submitting a formal complaint with the CFPB against Columbia Debt Recovery. I've included a copy of the letter I sent them requesting DEBT VALIDATION & DEBT VERIFICATION which they never responded to. Columbia Debt Recovery must respond to ALL of my questions and provide ALL of the details I've requested in my letter. Only then can the Credit Bureaus fairly and accurately determine the outcome of their investigation my dispute.
Consumer complaint received 2022-08-11
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. (WA)

I am in the process of buying a new house. On XX/XX/22, a hard pull was done to see my updated credit reports. Since then, my phone has been ringing every 10-15 minutes from various mortgage companies with " better offers ''. I have asked them to stop calling. I am already working with a mortgage broker. I have found out that, when there is a " hard '' pull on credit, that the credit bureaus have " trigger '' calls with mortgage companies. THIS IS WRONG!!! This is giving my information without my specific consent and triggers a huge invasion of my privacy. I have disconnected all my phones. 
My mortgage broker has told me that there are lawsuits against the credit bureaus for this. 
Something must be done to stop this.
Consumer complaint received 2019-05-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc (VA)

I received a call from XXXX XXXX on XX/XX/19 from XXXX XXXX XXXX, he advised me that he was collecting on behalf of XXXX XXXX XXXX XXXX to recoup/collect XXXX as a result of claiming that I didn't have auto insurance and hit XXXX XXXX 's driver. I had auto Creditor Placed Insurance on the vehicle by XXXX thought XXXX XXXX XXXX. Their letters do not specify what type of insurance was required. I was asked to provide proof of insurance in which I did. I was advised that he would have my license suspended and tags revoked. I requested proof of debt and have yet to receive this information. I requested information to appeal and/or dispute with XXXX XXXX and he advised me that I have no legal recourse or option to appeal. I called XXXX XXXX again on XX/XX/19 to discuss the concern of my license being suspended per his threat. He then suggested that I contact XXXX XXXX directly to discuss the concerns with them and advised that they may withdraw to continue collections. On XX/XX/2019, I mailed a letter to XXXX XXXX XXXX and XXXX XXXX XXXX to advise them to cease and desist. I submitted a letter of appeal with proof that I had insurance in addition to showing that their insured driver hit my car. I didn't strike their car. KY and VA is a no fault state. My insurance was through XXXX XXXX XXXX. My insurance paid for my car 's damages caused by their driver, and XXXX XXXX paid for their insured 's damages. I've provided the same proof of insurance to the police with no ticket or penalty. I am working on an assignment here in XXXX, XXXX yet my license is from XXXX, XXXX.
Consumer complaint received 2022-08-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-11
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. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-11
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. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-11
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. (LA)

Equifax has admitted that it officially sent lenders incorrect credit scores for millions of consumers. I, as a consumer was in fact was effected by this careless behavior. Congress has made it abundantly clear that you have ASSUMED the vital role of assembling and evaluating consumer credit and other info on consumers. I never gave you my written consumer consent to take this action, which violated my right to privacy an even worse means your company broke federal law! There is a need for your corporation to exercise your grave responsibility with fairness, impartiality, and a respect for my right to privacy. Your recent admission of wrongdoing does not show fairness, was impartial, and completely disrespects my right to privacy as a natural person. You had no permissible purpose to furnish any of my information in the first place because I did not give you my oral or written instruction pursuant to Federal law. Furthermore, this behavior also goes against your own Data Sharing Policy, specifically on Page 3 under Consent. 

Items to be removed : Personal Information 1. XXXX XXXX XXXX, XXXX XXXX, La. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, La. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, La. XXXX Accounts : XXXX. XXXX XXXX XXXX account beginning in XXXX XXXX. XXXX XXXX XXXX XXXX Inquiries : XXXX. XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX previous CFPB Complaint Number XXXX See previous FTC Report Number : XXXX for identity theft
Consumer complaint received 2022-08-11
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. (IL)

Congress has made it clear that Experian has assumed a vital role in consumer reporting, and I have never given this company permission to do this. Experian does not have my permission nor does Experian have my consent. Experian has not exercised their GRAVE responsibility and have been unfair and partial and have not respected my right to privacy. I have already made a CFPB complaint and attorney general complaint. I have never constructed Experian to furnish a report or create a report and have never consented to any report. Experian does not have the required documented file of my consent given to them or to any other company to report any information on me to Experian.
Consumer complaint received 2022-08-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (LA)

The monthly payments are automatically debited from my checking account. I have proof that I've made the monthly payments. The most recent statement effective XX/XX/2022 shows that my mortgage loan is {$13000.00} past due. The mortgage was transferred from XXXX XXXX XXXX to Selene Finance LP on XX/XX/2022. 

I sent proof that the payments were made by sending XX/XX/2022- XX/XX/2022 bank statements to indicate that the payments were automatically taken out of my account. The information was sent to them certified, return receipt requested. It was sent to them on XX/XX/XXXX or XXXX. The postal worker stated that Selene would receive it by XX/XX/XXXX. It is now XX/XX/XXXX and supposedly no one has received it. 

I need IMMEDIATE help to resolve this issue. After a phone call with the new servicer she is now saying that it was for months before because she miraculously show that the XXXX - XX/XX/2022 payments were made.
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-12-28
Product: Credit 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: JPMORGAN CHASE & CO. (IL)

I filed a dispute on XX/XX/2023 for {$100.00} that was denied today as being outside of Chase 's 118-day policy. As it falls under XXXX 's 540-day policy, I have again asked Chase for information on the 118-day and 540-day policy ( the 540-day policy specifically ) and have been met with multiple agents stating that it is internal, that they can provide no further information, etc. As a cardholder, I need to understand the policies and guidelines that Chase follows, and it needs to be in writing. There is absolutely no reference to the 540-day policy on my statement nor in my Cardholder Agreement. When speaking with XXXX in the XXXX XXXX Disputes Department, he stated multiple times, extremely offputtingly, that he can not provide any further information and being fully unhelpful. Case is XXXX.
Consumer complaint received 2019-05-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

I filed a homeowners insurance claim and was issued a claim check for the repairs. It was made payable to my mortgage company fifth third bank and to myself. I called fifth third and was told for faster service to also provide their loss draft dept with my adjusters worksheet and a prepaid next day air envelope for them to return it to me. Which I did. They advised me that the process would take 3-5 business days. They received my check on XX/XX/XXXX at XXXX. They misplaced my check on someones desk for the next 5 days. On Thursday XX/XX/XXXX i called and spoke to a agent who tried to help but said she can not help me as she does not know where my check is and that things are so messed up in their loss draft dept that she was going to quit by the end of the day. She then started to cry and put me on hold. After about 20 min a supervisor ( XXXX XXXX XXXX XXXX ) can on the line and told me that she was sorry my check had not been processed and that she was personally going to get it endorsed and over nighted back to me. She assured me that she would be calling me back by days end with a tracking number to the return check and that they would NOT be using the certified envelope that I had provided them. The day went on with no call from Miss XXXX. I called and left 2 voicemail for her asking where my tracking number was as promised. I have not heard anything back from miss XXXX and the morning of XX/XX/XXXX I called the loss draft dept again. After 45 min on hold I explained the whole story to the agent who then transferred me to Miss XXXX   associate " XXXX ''. She told me that XXXX had tasked her with sending my check out and getting me a tracking number and that she had forgotten and was doing it as we speak and that she had also missed the cut off time for XXXX pick up for XX/XX/XXXX. She gave me a tracking number and said she paid {$65.00} to have it overnight XXXX to me for a Sat delivery. That was on XX/XX/XXXX. Sense XX/XX/XXXX the overnight tracking number has not moved. XXXX has not received the package to scan it in. My check has not been endorsed, is still lost or sitting on someones desk. On XX/XX/XXXX i called Miss XXXX phone and finally she actually answered. I explained the ongoing issue with her and she said there was nothing more she could do to help me. She did not know where my claim check was and that I could take this up with her supervisors if I wish. Fifth Third loss draft dept has had my claim check now for 11 days and they refuse to endorse and send it back to me. I have been living in a house with no kitchen or floor for 1 month now and need to pay contractors to repair my damage. Can you please help ASAP?
Consumer complaint received 2022-08-11
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. (MD)

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