davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX   , XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURRENT ADDRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  THIS IS NOT MY ADDRESS ( I HAVE NEVER LIVED HERE ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address.

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
Consumer complaint received 2024-10-30
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. (FL)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2018-08-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

THEY SENT NOTHING TO PROVE ANYTHING JUST A LETTER WITH A BALANCE! I RESPECTFULLY REQUEST XXXX INVESTIGATE THIS COMPANY AND IF YOU NEED TO HAVE THE INFO UPLOADED OF THE ONE PAGE THEY SENT I WILL BE HAPPY TO SEND OVER THEY SENT NOTHING TO PROVE THIS DEBT IS MINE NO SIGNATURES NO MEDICAL LABS NO DOC NOTES NO NOTHING I ASKED FOR THIS IN MY DEBT VALIDATION LETTER AND THEY SENT THE SAME 1 PAGE BALNCE WITH NOTHING ATTACH THIS DOES NOT PROVE THIS IS MY DEBT AND IT IS NOT MY DEBT!!! I WILL REPORT TO THE XXXX
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I obtained my credit report for accuracy and saw an account that is not mine. I sent a letter to the collection agency on  XXXX / XXXX /  XXXX   requesting additional information to investigate who opened this account in my name. As of today they have not replied.
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Called company on XX/XX/2018, acknowledged my debt, and stated that I would make payments on my debt. At that time, the person said that I could settle for 60 %, and it would be marked as paid, settled for less on my credit report. I could also make those payments in 3 installments of XXXX over the next 3 months. I made the first payment that day. I called back on XX/XX/2018 and made the remaining 2 payments at once to finish my obligation. 

My credit report was updated to reflect the 3 payments - but it still lists a balance owed. 
I called the company on XX/XX/2018 to discuss the status of my credit reports and was told that the balance would remain until I paid it off. 

That is NOT my understanding of the word " Settled '' and marking my account as " Paid '' and I would like my credit report to indicate that I paid the negotiated amount and I no longer owe them any additional monies, based on the settlement agreement made on XX/XX/2018. I don't understand how I still owe money when we agreed to settle for less and I could take the derogatory mark that says " settled for less '' on my credit report. I would like to see the balance on my credit reports taken to XXXX ( XXXX ). I would also like to see the individual month notations for XXXX and XXXX to indicate something other than " failed to Pay '' or " FP '' because this is inaccurate too. I did pay those two months as I was instructed to do based on the phone call I had on XX/XX/XXXX.XX/XX/2018. Ideally, remove the entire tradeline from my credit reports.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

i was sent to National Credit Systems collections for XXXX $ for 60 days of rent. even though i only failed to notify my ex-landlord XXXX XXXX 20 days before my leave. another thing those XXXX XXXX never returned me my deposit back and never explained to me why they didnt. i tryed to explain them that i was a victim of XXXX XXXXXXXX and a single mother and as soon as i found something i rushed to move out. especially for 5 months i paid them more. also i tryed to work for failing to notify them only 15 days because i did so 5 days ahead. their agreement also was saying they would keep the deposit OR one month rent. they kept both. people from collections dont return my calls, never showed me anything proving i have to pay for 60 days. because of them im not able to rent apartment and my name is spotted.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

Dear CFPB I was ripped off by a company claiming that they were going to help me fix my credit by settling my credit cards with 4 credits cards. I owed XXXX XXXX {$1500.00} ; XXXX XXXX {$1800.00} ; XXXX {$760.00} and XXXX XXXX XXXX {$1900.00}. I paid the com [ any {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. The company charge me {$1100.00} in fees, never negotiated any settlements and refunded me only {$560.00} when I met with an attorney and cancelled this service after realizing it was a hoax.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (NY)

XX/XX/XXXX - opened account XX/XX/XXXX - received email confirming digital banking enrollment XX/XX/XXXX - received email ( included ) confirming promotion enrollment XX/XX/XXXX - received phone call from Suntrust to review account and verbally confirmed eligibility for promotion on phone with banker XX/XX/XXXX - received voicemail from XXXX XXXX ( XXXX ) as part of a three week follow-up XX/XX/XXXX - escalated issue to XXXX at SunTrust about missing promotion XX/XX/XXXX - XXXX followed up stating I was ineligible for promotion due to having opened account on phone XX/XX/XXXX - followed up with XXXX with information to contrary showing I didn't have any outgoing phone calls to SunTrust, instead had incoming call from SunTrust XX/XX/XXXX - followed up with XXXX, he was escalating internally XX/XX/XXXX - followed up with XXXX, no reponse XX/XX/XXXX - followed up with XXXX ; received response later in day that not eligible due to state of residence XX/XX/XXXX - sent letter to Office of President at SunTrust ; never received a response SunTrust has deceived me with promotional terms to open an account, deposit funds for a duration and perform certain transactions, then never fulfilled promotion and then change terms to avoid payment, as is evidence by the initial denial for bogus reason, then denying with a new reason. The included email proves I was eligible, as they had my information for 3 days before emailing me on XX/XX/XXXX for confirmation of promotion. If ineligible, then should have been notified then, not misled for SunTrust 's benefit. Suntrust 's failure to state ineligibility based upon state of residence while confirming enrollment is implicit acknowledgement of eligibility based upon all initial terms of promotion, except transactions which would have to be performed thereafter, and were all performed as required.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (UT)

I ordered a product on home shopping network from TV advertisement. I called them. They had the wrong address because I had moved. I gave them correct address and I recieved the product. However, this company uses a vendor for billing purposes. So the woman taking my phone order neglected to update my billing address with the billing company and so I never recieved a bill and consequently recieved a 90 day late pymt on my credit report. That wasn't fair.
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

Hello Team, I have mortgage loan with PNC bank which is recently transferred from XXXX. My complaint is regarding the PMI removal from my loan. I closed my loan originally with XXXXXXXX XXXX and that time they mentioned me that my PMI will automatically be removed whenever my LTV resches to 78 % so I made additional principal payments and now when I requested bank to remove the same they are asking to do appraisal and as per their document the appraisal value should come to more than my buying price of the property. 
Please find attached document for your reference. 
Original Loan Amount : {$330000.00} Current value : {$290000.00} Whenever I try to call customer care they give different answers and not willing to remove my PMI insurance even this is mentioned in my loan. Please help to resolve this issue. 

Regards XXXX
Consumer complaint received 2018-08-30
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXXx, Transunion ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXXXXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( Transunion ), XXXX Acct XXXX ( Transunion ).
Consumer complaint received 2018-08-30
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: Clarity Services (PA)

Clarity Services Inc appears on my credit file as a XXXX XXXX XXXX XXXX  in which I did not apply for. I'm not trying to hear the XXXX about XXXX owns or merge or what ever lie Clarity Services is running. Now its XXXX XXXX XXXX all it is a scam by XXXX as well as Clarity Services Inc. I did not apply or request no loan from XXXX XXXX XXXX XXXX. I'm also filing a complaint with the Attorney General. I opt out with XXXX in XXXX XXXX XXXX for no marketing or offers as for my opt out is violated. 
Fraud
Consumer complaint received 2018-08-30
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

To whom it may concern, I reported an unauthorized charge on my Capital One account with the amount of {$450.00}, {$3000.00}, {$2000.00} a couple of months ago. They have denied my claim due to their investigation there was no fraudulent activity and I was to be responsible for all the charges which I think is very unreasonable on my end. I feel like I am being accused of doing some kind of fraudulent activity on my own account base on their investigation. When I was talking to the person in charge of my claim at the time they were saying that all of the evidence match everything about me from name, address, shipping etc. Then they sent me a report through mail with detail evidence. On their report indicates that shipping address matched but on the tracking information did not match because I live in XXXX and the delivery address was in XXXX. This tells me that their investigation was not very accurate and due to that they are making me responsible for the charges I did not make. I will attach the documents.
Consumer complaint received 2018-08-30
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX ( Equifax : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX Equifax : XXXX XXXX : XXXX ).
Consumer complaint received 2018-08-30
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX ( XXXX   : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX ).
Consumer complaint received 2018-08-30
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. (NJ)

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that  neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with XXXX. He then informed me that it was for my XXXX XXXX XXXX In which I bought from XXXX and not XXXX. I have had my vehicle since XXXX so I am not understanding why XXXX ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with XXXX or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : XXXX XXXX XXXX Not Proven Compliant Account : Inquiry from date XX/XX/XXXX
Consumer complaint received 2017-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

XXXX XXXX XXXX XXXX XXXX XXXX recently added two new collection debts to my report. The service 's in question was service I received on XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX. XXXX XXXX was the billing agency for XXXX XXXX XXXX at that time. I have a Primary ( XXXX ) and a Secondary ( XXXX XXXX ) insurance provider. XXXX XXXX told me that they billed the secondary as the primary and was not paid. They later billed the correct primary on XX/XX/XXXX and was paid but did not bill the secondary again. I spoke with them and they were correcting their billing mistake and would be contacting XXXX to inform them of their mistake and to update the status with the collection agency. XXXX recently (XX/XX/XXXX ) sent me a settlement offer that i ignored and contacted XXXX XXXX for them to handle. I guess this is why they say there are new collection debts.
The following information is provided for you verification process : XXXX XXXX XXXX XXXX Reference # : XXXX Total Balance : {$420.00} New Collections XX/XX/XXXXCreditor : XX/XX/XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXCreditor : XXXX XXXX XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I spoke with a rep ( XXXX ) onXX/XX/XXXX She stated that she would inform their billing department to rework the claim and to bill the secondary provider and that I should check back with them in two weeks, to find out what the status of the claim was.
Your attention to this matter will be greatly appreciated. Please let me know if I can provide you anymore information to assist you with resolving this matter.
Thank You, XXXX
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I check my credit scores quite often and noticed that my credit scores had dropped a couple of days ago. I paid all my bills on time and did not understand why my credit scores had dropped so low in a couple of days. I contacted Equifax on XXXX XXXX, 2017 to check my report and was told that I may have been affected by the data breach. I contacted the other agencies to put a alert on my account.