davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

ENHANCED RECOVERY CO., ACCT. NOXXXX, A COLLECTOR FOR ORIGINAL CREDITOR XXXX IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT LEGALLY OWED, A DEBT THAT WAS PROCURED BY FRAUD. 
3 YEARS AGO, MORE OR LESS I BOUGHT SERVICE AND PHONES FOR XXXX WHILE LIVING AT MY HOME IN XXXX XXXX, CA. 
XXXX KNOWINGLY SOLD ME SERVICE AND PHONES THAT WOULD NOT FUNCTION PROPERLY DUE TO LACK OF CELL TOWER OWNERSHIP OR LEASES FOR THEIR SERVICE. 
THIS RESULTED IN DROPPED CALLS, INTERFERENCE, MISSED MESSAGES, GENERALLY A POOR NON-FUNCTIONING SERVICE.WHEN VISITING A XXXX STORE THEY EVEN OFFERED SWITCHING OUT THE PHONES, A FURTHER DECEPTION. 
THE PLACE, LOCATION AND NUMBERS OF TOWERS ARE INFORMATION THAT THE REGULATORS OF XXXX ARE AWARE OF. 
XXXX AND THEIR COLLECTOR XXXX ARE MERELY FUNCTIONING TO A PRE-THOUGHT OUT PLAN OF DECEPTION, FRAUD AND THEFT. 
IT IS INTERESTING TO NOTE THAT THEY HAVE NOW MERGED WITH THE 2ND BIGGEST FRAUDSTER IN MY AREA XXXX. 
BOTH HAVE OFFERED CHEAP PLANS THAT DO NOT FUNCTION.IT IS THE BUSINESS PLAN THAT GOVERNMENT PROSECUTORS SHOULD DO MORE ABOUT. 
CALIFORNIA 'S IMPLIED WARRANTY LAWS ARE STRONGER THAN THE FEDERAL, PRACTICALLY SPEAKING, THERE ARE NO LOOPHOLES. 
BOTH XXXX AND XXXX  AND PROBABLY OTHER BUREAUS DISPLAY THIS FRAUDULENT ACCOUNT.
Consumer complaint received 2022-08-25
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. (FL)

Balance displayed on all 3 Credit Bureaus of {$4100.00} for XXXX XXXX XXXX Account # XXXX is incorrect, balance is {$0.00}. 

In fact, I prevailed in a Civil Action both personally and for my corporation in XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX  XXXX, Case # XXXX disputing their disingenuous claim of {$4100.00} and was granted a DISMISSAL WITH PREJUDICE in my favor. 

No balance is owed, {$0.00}.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have actively disputed with Transunion monthly both online and verbally about inquiries reporting on my credit report without my consent inaccurately for the past 7 months. Many of the inquiries were added to my report when my credit profile should have been locked. I have made many attempts about my credit profile accurately reporting the truth and also advised any inquiries on my profile that I have no account should be removed due to identity theft. My credit filed had duplicated inquiries and when it was brought to their attention they removed the duplicates refusing to remove the other inquiries.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through XXXX XXXX XXXX  and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.
Consumer complaint received 2022-08-25
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. (CT)

I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through XXXX XXXX XXXX and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX {$520.00} # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX  # XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX In U.S.C 1681 section 602 A states I have the right to privacy In U.S.C 1681 Section 604 a 2 it also states aconsumer reporting agency instructions
Consumer complaint received 2022-08-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XXXX  XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX  XXXX Mortgage Companies XXXX Credit Union XX/XX/XXXX TransUnion XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion Hello XXXX I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-08-25
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. (CT)

I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through XXXX XXXX XXXX  and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.
Consumer complaint received 2022-08-25
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As of XX/XX/24 Bank of America fictitiously reported negative information dropping my XXXX  score over 100 points. As someone that dreams to buy a home in the future, this is devastating. I'm hoping the CFPB can help me! Bank of America recently updated XXXX that two closed accounts were charged off and they were actually discharged in Bankruptcy. I've tried disputing it on my XXXX credit bureau and my dispute actually messed things up more and triggered a recent serious delinquency on my XXXX. This is in violation of federal bankruptcy laws and I demand my XXXX be updated immediately to reflect the discharge and the serious delinquency be removed. I am attaching a copy of my discharge from years ago. As of XX/XX/24 Bank of America fictitiously reported negative information dropping my XXXX score over XXXX points. 

Acct Numbers ending in # XXXX + XXXX
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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. (PA)

My name is XXXXXXXX XXXX XXXXXXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: SYNCHRONY FINANCIAL (NJ)

I had returned a product for which I was issued {$2200.00} on my credit card ( XXXX XXXX by Synchrony Bank ). Bank sent me a paper check to my home address which I never received. When I asked them for a replacement check, I am told that the check has already been cashed by someone in a chase account. 

I have conveyed to Synchrony Bank that it is not me ( which can also be seen from the attached check image provided to me by the bank, it is endorsed by someone else and not me ). But Synchrony Bank says they have no process of re-issuing an already cashed check. I have raised the complaint with the police authority- they advised me to share the complaint with Synchrony Bank to get a new check as all check transactions have insurance against this type of fraudulent activity. But Synchrony Bank is not cooperating and asking me to work with the Police. The detective also told me this is a low-priority matter based on the amount and check being insured entity. Additionally, the job of the police is to catch the criminal and not get the money involved ( that is for the bank to take care of ) Check is the property of Synchrony Bank then why is my money on the line when I never received it? It is technically not my money until I receive it in my account
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

About a month ago I filed a complaint about fraud for two credit cards, one with XXXX XXXX and the other with XXXX XXXX and I could only put one company in to file the complaint with so I went with XXXX to get that one started. That one came back as a fraudulent account and got taken care of. Now im filing for a fraudulent account through XXXX XXXX. It has greatly decreased my credit score and I didnt see it until last time I checked my credit score which is the same day I filed the complaint with XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

In XX/XX/XXXX BSI Financial purchase my loan from XXXX XXXX for servicing the home loan ; On XX/XX/XXXX while preparing my financial plans, I was notify by another financial institution that my homeowners insurance with XXXX XXXX had lapse and my account was closed due to none payment from my Mortage servicer BSI Financial, XXXX inform me that they have not receive any payment this year ; Upon learning this new found information immediately contact BSI via telephone, Voice messages, and Email no response; knowing this information I went on online to the XXXX XXXX XXXX Tax Collector, my.property taxes has not been service, paid, either by BSI ; I try to reach out again to BSI they are not answering there phone or responding to my inquiries. BSI Financial Service is in violation of the Consumer Financial Protection Act of 2010, the Real Estate Settlement Procedures Act, or the Truth in Lending Act by : Inadequately overseeing service providers resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums.
Consumer complaint received 2022-08-25
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. (PA)

I have contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. 

Similarly, I disputed the validity and accuracy of the account for XXXX XXXX XXXX  on my consumer credit file, requesting physical information, which was never received, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never gave any consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MA)

On XX/XX/2022 I went to deposit money to my account thru the drive thru but noticed a sign that read " go to the ATM to deposit transaction with less the 3 items ''. I went into the bank and put my money into the ATM and it started to make noise. I informed the teller since there was no one in the bank to see if she could help. The teller came out and witnessed the ATM spit out a receipt with a {$0.00} balance recorded. She told me that happens and not to worry. The teller then got the bank manger out of his office and they bothwent to the back of the machine to see if they could retrieve it. The bank manger came out with a ripped {$10.00} bill. I told him there was more and I couldn't remember the amount because I'm was frustrated and upset. The amount was around {$210.00} - {$190.00}. there was 2 {$50.00} bills, a few {$20.00} bills, and a {$10.00}. I went back and forth with him about what needed to be recorded or done but he assured me that the ATM has cameras that have a view of 360 degree so not to worry. I again asked if there was a procedure that is suppose to happen because this can not be the first time this happened, he again was rude and said the ATM guy was called to come look/fix at the machine. 
XXXX XXXX I called the bank and spoke to the teller that witnessed the ATM spit out the receipt and she informed me that the next customer had taken my money because the machine was never shut done or closed for malfunctioning. 
the bank manger called me back about a hour later to tell me that they only found the ripped {$10.00}. I told him that it was more and what did the camera show. He did not answer and was rude and upset that I question the procedure that was not followed regarding the ATM and audit. 
No one has gotten back to me as of XXXX XXXX after at least 8 calls to the XXXX and spoke to 2 customer service supervisors. No resolutions to the problem or a answer to where my money went..
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (PA)

1. I WENT ON XXXX  XXXX XXXX TO OPEN UP AN ACCOUNT, WHICH EVERYTHING WAS OKAY AND OPENED. 
2. MY ACCOUNT WEN INTO COLLECTIONS. 
3. XXXX  XXXX SOLD MY ACCOUNT TO XXXX XXXX XXXX . 
4. ON MY CREDIT REPORT IT HAS BEEN CLOSED THROUGH XXXX  XXXX. 
5. IM TRYING TO PAY IT OFF WHICH NOW I WOULD LIKE IT REMOVED DUE TO WHEN I CALL THE NEW OWNERS WHICH IS LVNV FUNDING MANAGEMENT, THEY DONT SEE THAT ACCOUNT I AM SPEAKING FOR BUT ONLINE ON RESURGENT CAPITAL SERVICES IT SHOWS I HAVE 2 ACCOUNT UNDER MY SOCIAL BUT WHEN SOMEONE ELSE NAME WHICH HE IS MY HUSBAND. 
6. I CALLED THEM TO INQUIRE WHY HIS ACCOUNTS ARE SHOWING UP UNDER MY SOCIAL BUT ARE NOT SHOWING UP UNDER HIS SOCIAL. THERE RESPONSE WAS TO CALL XXXX  XXXX AND FIND OUT WHO HAS THOSE ACCOUNTS. XXXX  XXXX RESPONDED WITH THE NUMBER TO XXXX XXXX XXXX. 
7. XXXX XXXX XXXX RESPONDED STATING THEY DON'T HAVE THAT ACCOUNT ON FILE. 
8. MY QUESTION IS WHERE IS THIS ACCOUNT, AND I WOULD LIKE FOR IT TO BE REMOVED FROM MY CREDIT. 

XXXX  XXXX PHONE NUMBER I CALLED WAS XXXX XXXX XXXX XXXX NUMBER I WAS TOLD TO CALL XXXX LVNV FUNDING LLC PHONE ON XXXX  IS XXXX RESURGENT CAPITAL SERVICES WHERE THE PORTAL SHOWS THE ACCOUNTS AND BALANCE AND WHERE TO PAY IS XXXX ( I SPOKE TO THEM AND THEY COULD NOT GIVE ME ANT INFORMATION TO WHY ITS APPEARS TO COME UP IN MY SOCIAL BUT NOT RECORDS OF IT ON MY HUSBANDS SOCIAL. THEY REFEREED ME TO XXXX   XXXX WHICH REFERRED MY TO XXXX XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PORTAL.RESURGENT.COM ( WHAT COMES UP WITH MY SOCIAL ) Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$1100.00} Charge Off Creditor : XXXX XXXX XXXX XXXX. 
Servicer : XXXX XXXX XXXX, XXXX XXXX Phone:XXXX Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Information Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$880.00} Charge Off Creditor : XXXX XXXX XXXX, XXXX. 
Servicer : XXXX XXXX Phone:XXXX  Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX BOTTOM LINE NO ONE WAS ABLE TO FIND ANYTHING OR HELP.