davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My mortgage servicer, XXXX XXXX XXXX, XXXX, has been intentionally and constructively harming me by reporting maintaining that my loan is in a default status and has been late for seven months ( in addition to the late payments reported when XXXX came on as my servicer in XXXX XXXX and immediately put me into default, whilst in a long term forbearance agreement due to a Hurricane litigation case with my my homeowner 's ). All attached documentation represents a clear and necessary forbearance agreement. I entered into a forbearance agreement with my servicer, as I was legally defending them in Hurricane XXXX litigation with my homeowner 's insurer, XXXX, because XXXX was heavily blaming the servicer for the damages on my property. In exchange for forbearance, the servicer at the time, XXXX, promised forbearance and credit suppression UNTIL THE LITIGATION WAS COMPLETED. We settled with XXXX in XXXX XXXX. XXXX inherited this agreement and never honored it, contrastly, they intentionally created and maintained a default status for my loan by shifting amounts into the time period that our forbearance agreement ended XXXX XXXX XXXX XXXX for their own nefarious purposes. This is NOT accurate reporting. XXXX however, accurately came to the determination that my account is 0 days past due and is paid as agreed. 
In addition to the inaccuracies that exist on my payment history, XXXX is also misrepresenting the payment amount that is due, as well as the statement that we had entered into an agreement to pay less. Please produce this document. I have requested a copy of such an agreement and have yet to received anything of the sort. In fact, XXXX has refused for over a year now to even explain the charges, internal codes or abbreviations listed on the accounting on my loan that XXXX repeatedly sends to me XXXX after promising to due so ), so it is impossible for me to make a knowledgeable and comprehensive determination as to what values are good and which are valid ; Therefore, any amount listed and reported on any credit bureau as the true and correct balance is a completely untruthful number because my account is laden with fraudulent charges. These adjustments that are being completely refused and ignored by XXXX and their representatives.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I send Equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters that have been ignored the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following accounts. 1. XXXX 2.XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6.XXXX Also a few inquiries that I did not authorize. 1. XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX/XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX. I contacted the original creditor as  suggested and have disputed these items but XXXX is still reporting these unproven to be authorized alleged inquiries as well.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-10-29
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. (OH)

I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2XXXX XXXX # XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3. XXXX XXXXXXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXX XXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

I had an account with XXXX and my original monthly bill was for {$250.00}, but they 'll charge as high as {$500.00} sometimes XXXX double billing ), I 'd have to spend hours with them on the phone every month to fix the billings issues. I finally got tired of it and switched to XXXX. I received a final bill from XXXX which I paid them in 3 installments XXXX receipts and final bill is attached ). To my surprise, I received a credit monitoring report saying there 's a collection in my account and the original Creditor is XXXX. 

I went to their corporate store to settle the issue and they directed me to call their XXXX number, I called and they directed me back to the store. I also tried to reach the collection agency and they again directed me to XXXX which was just playing games. 

This is running the credit I 've spent years building and I 'd highly appreciate anything you can do to help.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about five letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following account. XXXX XXXX account # XXXX. I Along with XXXX telephone numbers XXXX. XXXX. XXXX. XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have attempted for over a year to get XXXX XXXX XXXX XXXX to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden XXXX XXXX on XX/XX/XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a XXXX XXXX XXXX and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's XXXX XXXX my son spoke with our local XXXX XXXX XXXX who granted an extension for XX/XX/XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX. Transunion and XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written XXXX XXXX XXXX several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local XXXX XXXX XXXX manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that XXXX XXXX XXXX has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XX/XX/XXXX thru XX/XX/XXXX. Your help will be appreciated.
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the XXXX XXXX XXXX XXXX Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : XXXX. XXXX XXXX BANK # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since XXXX! 
XXXX XXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 
XXXX. XXXX XXXX STUDENT # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 
XXXX. XXXX XXXX XXXX # XXXX Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 
XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLENN ASSOCIATES MID-ATLANTIC, INC (MD)

I contacted this company previously in regards to an account they furnish on my credit file. I requested that the company provide me with a contract or documentation bearing my signature and they have done so however, their is no record of billing. The balance owed is just on an alleged move out statement. To the best of knowledge this unit was sold and the contents contained in it was more than this balance because this balance being reflected is not correct. I asked for a complete billing record and was not provided. I also requested documentation from the sale of the unit.
Consumer complaint received 2017-10-28
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)

Contacted creditor " XXXX XXXX bank '' and they refused to talk to me because I am no longer liable for the account nor am I an authorized user on the account. 
XXXX XXXX XXXX, XXXX ) I have attempted to submit multiple claims through equifax and have been denied the ability to submit a claim due to lack of verification of my identity on equifax files. 

I have contacted the actual owner of the account and she verified on multiple occasions that I am no longer on the account. 
( Last contacted in XXXX XXXX ) I have had no issues with XXXX XXXX and the aforementioned credit reporting bureaus has had no issues removing my name from accounts where my ex fianc is the primary account holder and I was an authorized user for a brief period of time XXXX XXXX months XXXX.
Consumer complaint received 2017-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (MI)

a request for a letter explaining what you have done to Inform business where the account was opened, that the debt is the result of identity theft ; Stop collection proceedings against me ; Stop reporting information about the debt to credit reporting companies ; and to provide me with the records was made to the above named Corporate Entity on the date of XXXX XXXX, XXXX XXXX Exhibit A - XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX and the Corporate Entity and Fiduciary failed to produce based on " failure of consideration '', " fraud '' or " mistake '' : In failing to provide such XXXX XXXX XXXX XXXX Harris & Harris, LtdXXXX and all agents have shown bad faith and default in their lawful duty of record to legally verify THE ALLEGED DEBT.
Consumer complaint received 2017-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2 (FL)

I am writing to report a debt collection agency called Persolve LLC. They are located in California and their address is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX. 
They committed a fraudulent act that needs to be investigated and resolved immediately. On the first week of XXXX XXXX, I received a notice of levy under writ of execution in the amount of {$13000.00} from XXXX XXXX XXXX who I was banking with. The notice had the name of the agency collecting the debt, Persolve LLC vs my name. This caught me by surprise because this was the first time I received anything regarding this company collecting this debt. Immediately I went to the bank to see if this was even real and tried to withdraw my funds and discovered the bank had placed a hold on my account. In fact I even went to the police department to try to report the collection agency as fraudulent and they asked me to contact either the agency or the court. 
I called Persolve LLC and spoke with XXXX XXXX who was apparently assigned to my case. He told me this was related to a credit card debt that I didnt even have and tried to convince me that I owed the money. In fact, he tried to ask me for additional payment even after the levy was in progress. Next I called the courthouse in XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX, XXXX, CA XXXX ) that was handling my case and they told me I was served. After I asked them when and where, they told me they sent the summons at an old address that I lived XXXX years ago so I never received any mail related to this case. Therefore, I never got a chance to dispute the case and the agency stole the money right out of my account. 
This incident created a great amount of stress and anxiety and distrust in the judicial system and even the banking system. The agency consistently kept calling me for a few months after they stole my money. I wanted to pursue a lawsuit against the agency to get my money back but I did not have the funds to retain an attorney to fight my case. I am seeking your assistance to investigate Persolve LLC to ensure this doesnt happen to another citizen.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX I went to the JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, New Jersey and applied for a refund of {$220.00} from my JP Morgan Chase Credit card. The branch manager spoke to XXXX the supervisor at JP Morgan Chase Credit card who promised overnighting the refund. But the check never arrived the next day or on XXXX XXXX so I returned to the branch. The branch manager again called JP Morgan Chase Credit and was told the refund check had been cut on XXXX XXXX and would be sent XXXX two-day delivery. I am still waiting for the refund. Today is XXXX XXXX! And this despite XXXX visits to the branch, XXXX or so letters to XXXX XXXX XXXX the XXXX and CEO of JP Morgan Chase, and many telephone calls. I was old by XXXX XXXX XXXX of the XXXX Office of JP Morgan Chase on XXXX XXXX that I would now receive the refund check in 7 to 10 business days. In other words, I will have waited well over 2 business week for the refund! Unacceptable business practice!
Consumer complaint received 2017-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (KY)

I looked at my credit report and saw that someone had opened up a cable bill in my name with XXXX. I called XXXX and they told me that I have to prove that it is n't me. They have n't sent me anything that all. I happened to call them and they told me that someone in XXXX, Texas opened an account with my name. I gave them my last four and the operator said it was n't me but I need to prove it. The individual and I share the same first and last name. I do n't know her middle initial. Mine is XXXX.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I have been having problems with this account for almost a year ... They are missing my payments in their computer system and abusing with interest fees. 

I requested a wire transfer to clean out the amount due XXXX or XXXX weeks ago. 

I have been working with my bank XXXX XXXXXXXX XXXX in obtaining my bank statements,. 
Which I have NOT received. 

Which would contain all transactions for the past XXXX months. 

I requested a transfer of XXXX to this account which is also missing. 

CAN SOMEONE HELP!