davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
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. (NY)

Hi, This is in regards to inquiries made on my account. I recently accessed my credit report and found inquiries on there that I did not request or authorize, These inquiries are hurting my credit score and I would like to have them removed from my account. I contacted Transunion and XXXX, however, they said they are unable to help me in this regards. I tried getting in touch with the vendors who did the inquiry on my account and they were unable to assist me or provide proof of me requesting credit and they were unable to provide any details. 

Here are the inquiries made to my account that I wish to have removed : 1 ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX/XXXX Inquiry from XX/XX/XXXX 4 ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 ) XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these unauthorized inquiries from my report. 

Best Regards
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (CA)

I had a XXXX XXXX account charge off in XX/XX/XXXX and I tried to settle it with them before it went to collections. XX/XX/XXXX I filed a report on CFPB only to learn that while I was trying to settle with XXXX XXXX they stated it was already with a collection agency, I never received notice and after speaking with XXXX XXXX they gave me the creditors information Firstsource Advantage and stated that Firstsource has sent me 2 letters, which I never received.Not to mention they have all my up to date mailing address and phone number because I have 2 other credit cards with XXXX XXXX.I recived all the information from XXXX XXXX ONLY because I filed a complaint through CFPB or i would of never know the account had been placed with a collection agency.
Consumer complaint received 2018-03-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed inquiries on my credit report on or about XX/XX/18. I did not authorize the companies to make inquiries on my credit file. 

XXXX removed the inquiries promptly. However, Transunion and XXXX  did not remove the inquiries. I am attaching the letters I sent to all credit bureaus. 

Please remove the inquiries from both my Transunion and XXXX accounts.
Consumer complaint received 2018-04-13
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: Experian Information Solutions Inc. (TX)

I seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX) Not Mine 2. XXXX XXXX XXXX  (XX/XX/XXXX &XX/XX/XXXX ) These are not mine
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

In XX/XX/2017 I received correspondence from Resurgent Capital Services requesting validation of an alleged debt. It is now three months later and I have yet to receive the information that are within my rights through the FDCPA to verify same. 

Considering I responded to their correspondence, the information this company has concerning my address is correct ; considering I responded to this correspondence, I am clearly not avoiding them, so then what's the problem? 

They continue to ignore my requests for validation but continue to report same to the credit bureaus and they continue to deny my rights under the FDCPA to handle this issue appropriately.
Consumer complaint received 2018-03-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MAS FINANCIAL SERVICES, INC. (CA)

I co-signed on a vehicle for my sister back in XX/XX/2016. the car was a lemon and kept breaking down. we returned the car to the finance company : MAS Financial. they falsified information saying they repossessed the vehicle. I had it towed to them as a will full turn over. now they call and threaten with lawsuits and criminal penalties. the change the amount every month and report it to the credit bureau causing my credit to vastly depreciate consistently, and its been going on for over a year taking my score from a XXXX to a XXXX. they have lied to other lenders stating the repo is more recent then it actually is. they continue to harass me on my cell, they've called my employer. its such a nuisance. I feel they are intentionally attacking my credit on a monthly as a way to force me to pay them. please help
Consumer complaint received 2018-03-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting my XXXX account as an adverse account this information is wrong. It has been confirmed with XXXX that the account is current and in a satisfactory standing with no late payments. XXXX has fixed this account after there investigation and it is reporting correctly as an account that is satisfactory not adverse. I have disputed this with transunion but they have still not corrected it. This wrong information is affecting my credit score.
Consumer complaint received 2018-03-16
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. (IL)

On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead TransUnion investigated 3 of my accounts ( re : report # XXXX ).

XXXX ( report # XXXX ) did something very similar to TransUnion. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the same issue ...
Consumer complaint received 2018-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ROC Asset Solutions, LLC (NV)

To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In  XX/XX/XXXX. I have receipt to prove my merits On this matter.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American express decided to close my account without speaking with me in regards to a resolution ... ..I spoke with a representative XX/XX/XXXX-XX/XX/XXXX week about payment arrangements .... Which I have two credit cards green card balance off {$960.00} ( which {$400.00} was being paid, the following two weeks would be an additional {$100.00} ), my other card which was {$350.00} ( with {$35.00} due which was paid that day ) ... .. I received an email that my account is canceled. Called to follow up the young lady XXXX who does not work in headquarters she is currently located in XXXX -states the credit bureau made the decision. Then corrected herself by saying you missed payments .... Which I then explained I have had an issue with the green card because I was misinformed, I was unable to pay total balance, but I am making payments!! I asked for her title to ensure she was a supervisor, which she is not! I also would like to speak with headquarters for action but unable to. I explained that American express is breaking the law, we are currently in different countries, I have not received a far chance to correct my balance!! I still have a payment agreement set up!!
Consumer complaint received 2024-08-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I was contacted by XXXX on XX/XX/year> and told that I owed money for occupying an apartment that I was no longer living in. Once I provided email correspondence to XXXX of XXXX showing that me and XXXX XXXX from XXXX XXXX verified that I had moved-out of the apartment Communication between XXXX and XXXX stopped. Now XXXX  months later, my credit profile was sold to XXXX XXXX XXXX XXXX XXXX XXXX I am asking XXXX to remove any unresolved credit from profile. I will be seeking an attorney to file a harassment suit. 
Columbia Debt Recovery harassed my minor aged kids with scared tactics. 
Additionally, Columbia Debt recovery harassed me trying to obtain a debt that is not truly owed. I have sent a correspondence to XXXX XXXX a copy of all correspondence between me, XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I Have been working for over 7 months full time. I recently thought about buying a car so i started looking around, so they tried running my credit and i was denied. didnt think much of it. so i tried other places and i was still getting denied. So i printed my credit from all 3 credit agencies. i was in shock to see all this stuff on my credit. what do i need to do to fix this.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank has refused to allow me the opportunity to plead my case with the appropriate department/manager. I contacted TD Bank on XX/XX/2018 and was transferred to the Fraud Department as my wife and I had an account that was on a " no check activity '' status due to fraud. This account was supposed to be closed already, but we resolved that on the phone already. The supervisor in the Fraud Department helped my wife open a new account. Once this was done, we were hung up on. When we called back and stated the same information, we were transferred to a supervisor who continued to belittle myself and my wife as well as say " no thank you '' when we asked for a manager and this individual ( whose name is XXXX, I beleieve ) kept hanging up on us. I then spoke with TD Bank today, who confirmed this individual put all of my other accounts in a " no check activity '' status due to the serious delinquency. The delinquency exceeded {$1100.00} and of that, 27 fees were assessed at {$35.00} each, totaling {$940.00} in fees. 

My son receives Social Security XXXX checks. That money is used just for him to get things he medically needs. It's unfortunate that the bank has allowed me to get this negative with that many fees, and fees being assessed BECAUSE of fees. The bank is essentially stealing from my son, who desparately needs his XXXX to get things he needs to live. 

I request that an individual with a heart at TD Bank look at our situation, while considering that we fell on hard times, and refund the fees so we can at least start getting back on our feet. Without those fees being refunded, my son will go without things he needs to survive.
Consumer complaint received 2018-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018 I responded to a XXXX advertisement for an XXXX basketball game. I contacted the seller and we exchanged phone numbers to complete the sale. I was told to transfer the money via XXXX and in return would receive the tickets through flashseats. Seeing as though XXXX was an app that Bank of America used as it's means of transfer, I trusted it thinking that my bank would protect me in cases of fraud or scam. I transferred {$800.00} through XXXX to the seller and unfortunately after the money was transferred the seller never replied back to my messages. This is when I realized it was a scam and the next morning I called my bank and filed a claim. I was told I would receive a letter from my bank within 5-10 business days on the status of my claim but that letter was never received. However, through my bank account online I was able to check my claim status and the claim was " resolved '' and I was not given back any of my funds. A bank is supposed to protect their customers and the fact that I was able to transfer a large sum of money with no guarantee of protection is ridiculous. A system like XXXX that Bank of America, a world-renowned company is so proud of and has featured on their banking app should be able to offer their customers protection in cases of scam and fraud.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2018-03-16
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 — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc. (FL)

I have been going back in fronth with diversified with settling a delinquent account they original inform me that if i settle the account it would be deleted from my credit report that never happened they also advised once the payment clear i would receive a letter confirming that which was never sent via email or mail.Upon recently reviewing my report the account was never deleted when i called back to ask why they then advise me they cant delete it only the original creditor can. i call XXXX and asked can they delete the charge off. they inform me diversified would have to delete it due to the fact that they reported it ( which makes sense ). At this point I'm tired of going back and forth between XXXX and the collection agency. The only reason i settled the account because i need to get a mortgage loan. I have now closed and I'm still dissatisfied that they lied and the reporting status I would like this charge off account removed immediately.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have had a credit card with Capital One since XX/XX/XXXX. I have continued to pay the bill on a timely basis. I have had several health issues ( XXXX XXXX, XXXX, XXXX ) and have used the card for medical purposes as well as day to day expenses. For the past several years I can only make the minimum payment and will never be able to pay it down. Then In XX/XX/XXXX I developed XXXX and have accumulated additional bills from doctors, hospitals and XXXX services which I struggle to pay. So onXX/XX/XXXX I reached out to Capital One regarding some type of workout program? They said they would reduce my monthly minimum payment from {$260.00} to {$200.00}, reduce my rate to 7.4 % which would pay off the card in 60 months. I thanked them for the help. They said it would have effect in XX/XX/XXXX or XX/XX/XXXX. After this conversation, I began restructuring all debts based on their commitment. Today I received a letter saying ... .your account is currently ineligible for this program! It didn't say why, what for anything else. So I called them and spoke with a councilor and then a XXXX and explained that under Regulation B they had made a verbal offer of credit and I felt they should stand behind their word. Neither one knew of Regulation B said there was nothing could be done and but if I wanted I could submit a request in writing I could do so. 

I have no other place to go but I need help. Your help with this matter is appreciated.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc. (VA)

I sent out a letter in XX/XX/XXXX to R.A. Rogers Inc. for them to validate a debt that is currently being reported on my credit file as I sent out one in XX/XX/XXXX and never received a validation. I received a letter in XX/XX/XXXX saying they sent out one previously and will not be sending out another letter to validate the debt but has stated that they will ignore all other request from me that I send to validate the debt.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Acct Number XXXX, XXXX. {$550.00} XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX, XXXX. {$2500.00} XXXX XXXX Bank Acct XXXX XXXX, XXXX. {$520.00} XXXX XXXX Acct XXXXXXXX XXXX bal. {$3400.00} XXXX Acct XXXX XXXX, XXXX. {$2900.00} XXXX Acct XXXX XXXX, XXXX. {$3800.00} XXXX Acct XXXX XXXX, XXXX. {$3500.00} XXXX Acct XXXX XXXX, XXXX. {$6000.00} XXXX Acct XXXX XXXX, XXXX. {$1400.00} XXXX Acct XXXX XXXX, XXXX. {$1500.00} XXXX Acct XXXX XXXX, XXXX. {$3500.00} XXXX Acct XXXX XXXX, XXXX. {$3400.00} XXXX Acct XXXX XXXX, XXXX. {$1500.00} XXXX Acct XXXX XXXX, XXXX. {$4500.00} XXXX Acct XXXX XXXX, XXXX. {$1000.00} XXXX Acct XXXX XXXX, XXXX. {$510.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$2000.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$6800.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$1000.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$510.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$3500.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$2600.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$4600.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$1900.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$3500.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$9300.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$5600.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$5800.00}
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (SC)

I HAVE THE XXXX  CREDIT MONITORING MEMBERSHIP THAT I PAY FOR MONTHLY AND I NOTICED ON MY XXXX  REPORT (CBE GROUP  XXXX XXXX XXXX XXXX IA XXXX  PH#XXXX)(XXXX XXXX ON MY CREDIT FILE. STATING THAT THIS ACCOUNT WAS OPENED ON XX/XX/2018, WHICH IS TOTALLY NOT MY ACCOUNT AND I HAVE NO IDEA WHO DID THIS. SO I IMMEDIATLEY CALLED CBE GROUP @XXXX SPOKE W/ REP THAT WOULD NOT HELP ME. I SIMPLY ASKED FOR THE DEPARTMENT THAT HANDLES WHEN INCORRECT INFORMATION SHOWS UP THAT IS NOT MINE DID SHE HAVE A CREDIT VERIFICATION DEPARTMENT OR A FRAUD DEPARTMENT EMAIL/AND OR FAX # SO THAT I CAN SUBMIT A COPY OF MY EXPERIAN CREDIT REPORT ALONG W/MY DRIVERS LICENSE AND SSCARD TO PROVE THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER GONE BY ANY OTHER NAME OR LIVED AT ANY OTHER ADDRESS OTHER THAN THE ADDRESS LISTED ON MY DL. THE REP TOLD ME THAT THEY DO NOT HAVE A DEPARTMENT LIKE THAT! THEN THE REP ASKED FOR MY SSN AND TRIED TO USE TRICK TACTICS FOR ME TO AGREE THAT THE ACCOUNT IS MINE. I TOLD HER THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER HAD THESE SERVICES. THE REP KEPT ASKING ME AND I KEPT SAYING NO! PLEASE PROVIDE ME WITH THE FAX# AND OR EMAIL JUST SO I CAN SIMPLY SUBMIT A LETTER AND PROVIDE THE DOCUMENTATION PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! THE CUSTOMER SERVICE REP PLACED MY CALL ON HOLD NUMEROUS TIMES AND TOLD ME THAT THEY DO NOT HAVE A FAX#, AN EMAIL ADDRESS, OR A MAILING ADDRESS THAT SHE COULD PROVIDE TO ME. AND SHE SAID THIS IN A VERY NASTY WAY BECAUSE I WOULDNT SAY THE ACCOUNT WAS MINE, IT IS NOT!. I IMMEDIATLEY SEARCHED THE WEB AND FOUND COUNTLESS CUSTOMER REVIEWS ABOUT CBE GROUP & XXXX XXXX/XXXX XXXX  STATING HOW THEY USE TRICKY WAYS TO PLACE THINGS ON YOUR CREDIT FILE AND WILL NOT OFFER YOU ANY HELP TO REMOVE INCORRECT ITEMS. I ALSO SAW A REPORT ON A CLASS ACTION LAW SUIT AGAINST THE CBE GROUP AND TERRIBLE REVIEWS FROM THE "XXXX" LISTED. BUT I THEN CAME ACROSS THE NAME OF XXXX XXXX   (CHEIF ADMINISTRATIVE AND INFORMATION OFFICER aka:cheif client officer) I CALLED HIM TODAY @XXXX AND HE DID NOT HELP ME BUT ROUTED ME RIGHT BACK INTO THE DIRECTION OF THE XXXX NUMBER EVEN AFTER I EXPLAINED ALL THAT I HAVE JUST BEEN THROUGH WITH THE TERRIBLE/RUDE CUSTOMER SERVICE HE TOLD ME THAT HE WOULD NOT HELP ME!. HE TOLD ME THAT HIS COMPANY DOES NOT HAVE EMAIL AND HE WOULD NOT HELP ME WITH THIS, I VERIFIED HIS EMAIL FROM THE "XXXX" IS (XXXX).