davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
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. (IL)

Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection violations.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/2017 I had an outstanding balance of XXXX On my XXXX XXXX Credit Card. I paid off the full on the card and request that credit card be closed since I already had another XXXX XXXX Credit card. I was in the process of making a purchase about 3 months ago, when it came to my attention that the above mention Credit Card has a one 30 day late on XX/XX/XXXX and two 60 days on XX/XX/XXXX and XX/XX/XXXX. I called the Credit Card several time to try to understand why I was showing any late when I had paid off the account and closed it in XX/XX/2017. No one could not explain the reason why is this reflecting in credit. I called several times to try to get this error clear from my credit report, requested to speak to a supervisor but XXXX XXXX representative leaving me hold for a long time that I had to hang up the phone. 

In regards to First Federal Credit Collection. this is a collection that was paid by my employer because of an injury caused at work.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (NY)

I was notified by XXXX that I have a collection it was a be cause of identity theft I report to the local pd spoken to XXXX they told me they had XXXX me out in now another Angecy pick it up nt.which I never had no knowledge of authorize me even having an account
Consumer complaint received 2019-05-17
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: LEXISNEXIS (IL)

On XX/XX/2019 I requested validation and verification of a bankruptcy with Lexis Nexis that has been reporting to the credit bureaus. After 30 days I received a response from XXXX   stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Consumer complaint received 2018-08-04
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. (MD)

XX/XX/18, XX/XX/18, XX/XX/18, Inaccurate reporting information about I have recently been informed that there is negative information reported by Maryland Federal Court-XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report. 

After contacting the Federal Court Clerk office, I was told that they do not report to credit bureaus. I then challenged them on the accuracy, compliance of where this information came from. I received information back from them stating it was verified and it will be no change. Sent another letter asking for them to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately deleted from the credit file that they maintain under my Social Security number as its violates the Fair Credit Reporting Act.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: I.C. System, Inc. (MI)

Your company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal.

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX  which has which has a service called XXXX XXXX, shows my score of XXXX, XXXX has a service called XXXX XXXX showing XXXX. 

If I go to XXXX which I have a paid service, it shows XXXX, XXXX XXXX, Transunion XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/XXXX when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act. 

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a XXXX to XXXX so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.
Consumer complaint received 2018-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

To Whom It May Concern : I have received a letter claiming that I owe a debt to CAINE & WEINER CO. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 
You have 30 days to provide full verification of this item, This entry have cause me a lot of difficulties to obtain a home mortgages. 

Thank you in advance for your quick responds.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (OH)

I recieved a letter from JPMorgan Chase Bank, N.A., XXXX XXXX XXXX, XXXX, DE XXXX dated XX/XX/XXXX that said " We received an application for a new XXXX XXXX XXXX XXXX XXXX account with your name and Social Security number on it. We need to verify that the application is yours. Please call us to confirm your application .... '' I did not make that application. On XX/XX/XXXX I called the number in the letter to say I did not make that application. I was transferred to the Fraud Department and a recording said my wait was over XXXX minutes. I literally waited for XXXX minutes and finally hung up. I called back today ( XX/XX/XXXX ) and kept getting transferred. The verification team said an application was opened with my name, social security number and address, but they could not close out the application and transferred me to the fraud department. After another XXXX minute wait, the fraud department said they couldn't close it and I had to talk to the the verification department. Then I was transferred to customer service and waited. Then I was told I had to speak to the Fraud Department. Then I asked to speak to a supervisor who said I should have been transferred to the customer protection unit. When I was transferred there, a person named XXXX said I should not have been transferred there and that he could not do anything, only the fraud department could handle it. I literally spent hours and hours on the phone, but have not been able to verify that the application was closed or there was any kind of fraud alert put on it. It was a horrible experience getting transferred by people who continually said they had no authority to do anything and I had to speak to another department. It was completely unreasonable and unrealistic to protect people from identify theft. There appears to be something weird going on with this company too because most of the time you get transferred ( even if its a different day ) an automated message says that your wait time is over XXXX minutes, and it is! All together you will literally spend hours trying to get satisfaction to no avail. Are there that many people with problems? Are they all victims of identify theft involving this company? Also why do so many representatives give you information and then another representative says its incorrect and you never resolve the problem?
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX which has which has a service called Credit Wise, shows my score of XXXX, XXXX has a service called Credit Score showing XXXX. 

If I go to XXXX which I have a paid service, it shows XXXX, Equifax XXXX, XXXX   XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/2008 when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act. 

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a 140,000 to 75,000 so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I am living in XXXX XXXX XXXX XXXX apartment complex located at XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, I moved from an apartment to another one in the same apartments complex back in XX/XX/2018, I didnt know that I had an outstanding amount for XXXX $ for the old apartment until I received a phone call from a collection company called Procollect asking me to pay this amount before XX/XX/2018 then I paid the amount to the apartment complex and received a statement shows that I dont owe them anything, I sent it to the collection company ( Procollect ) before the deadline, Then I was checking my credit score today XX/XX/2018 and it was dropped by 35 points bcz that company reported that collection report and never removed it even though i paid it in full and sent them the proof of payment via e-mail as they asked earlier.
Consumer complaint received 2021-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

For nearly a year, my mortgage servicing company has been holding funds paid through them for repairs to my home pursuant to an active claim with my homeowners insurance company. 

Needed repairs to my home have remained incomplete for more than a year because they have failed to respond to my repeated calls with requests that they engage with my insurance company to resolve the conflict between their protocol for releasing funds, and the insurance company 's protocol for advancing payments for my contractor 's incremental project bids for repairs. 

I have been reaching out to management in the mortgage company 's " Loss Draft '' department for more than two months now to attempt to engage with the proper authority, but to date have not received any response whatsoever. My insurance company has also attempted to engage with the mortgage company on my behalf also, but have been unsuccessful also. 

I am appealing to the CFPB as a last resort to enlist your assistance with getting them to give my situation the attention it deserves given how long things have languished.
Consumer complaint received 2019-07-08
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 went to to XXXX to apply for XXXX book end was not approved. It really didn't bother me or did I think anything about it. Last week I went to apply for car and was not approved, At this point I'm a little worried. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I pulled my credit and see items on there that I don't know anything about XXXX XXXX XXXX XXXX XXXXAcct # XXXX, XXXX XXXX, XXXX XXXX XXXX end XXXX XXXX. Thank you for you help with this.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019, I was charged {$19.00} by Transunion. They auto-enrolled me for their credit monitoring service after I had gotten a free credit report on XXXX and then created an account on their website to view my credit score. They asked for my credit card info when creating an account but didn't quote me a price. I never gave authorization for the {$19.00} monthly charge. 

On XX/XX/2019 I noticed the charge on my credit card statement and canceled the subscription from Transunion 's website. I had to call Transunion to have ask for the {$19.00} charge to be refunded. They agreed to refund the charge. The refund will take 3-5 business days.
Consumer complaint received 2018-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2018 at XXXX XXXX, I received a voicemail from a woman identifying herself as " XXXX '' from Quicken Loans, my mortgage lender. In her message she specifically identified herself as a " debt collector '' and said that she was attempting to collect on a debt and that any information I provided would be used to that end. She then advised me to call XXXX and choose option 3 to speak to a member of her team about this matter. At first I thought I was being phished, as Quicken Loans sent me an email just this week informing me that my mortgage payment for this month cleared on XX/XX/2018. However, when I retrieved my mortgage statement to contact the company directly, I noticed that the customer service number on the statement matched the one that was left on the voicemail. I called Quicken Loans this morning, XX/XX/2018 at approximately XXXX XXXX to clarify what this was about. I spoke with a representative named XXXX XXXX who informed me that although her records showed one of their staff had indeed called me yesterday, her records indicated that the purpose of the call was to get me to " provide feedback '' on my Quicken Loans experience which, up until now, had been extremely positive. She confirmed that my account is current and that there is nothing in her records indicating that I have ever missed or been late with a payment. I told XXXX that I did not approve of these deceptive practices regarding my finances and that I wanted to file a complaint. She asked if I wanted to have their researchers investigate the matter and I said yes, but said that unless they had recorded the original encounter then they would be wasting their time.
Consumer complaint received 2021-12-31
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. (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I sent you all a correspondence via U.S. Mail XX/XX/2021 in regards to an inquiry that was reported to my credit report and you all received it on XX/XX/2021 @ XXXX. I also filed a CFPB Complaint which was submitted XX/XX/2021. You all did not respond through the CFPB, but I did receive a letter from you all dated XX/XX/2021. In my correspondence that I initially sent you all, it included a notarized Affidavit of Truth. An Affidavit of Truth is a statement of facts which you have to respond to lawfully point by point called a rebuttal. You all have not included this in your response, therefore my Affidavit of Truth stands and you must comply. You also stated in your response " your written authorization may not be required to constitute permissible purpose '' and please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. This is false. Pursuant 15 USC 1681a ( 2 ( b ) ), a hard inquiry should be excluded from a consumer report and pursuant 15 USC 1681b ( 2 ), written instruction was never given to you all to reflect a hard inquiry to my consumer report which is my right to do so. You all also allowed XXXX XXXX XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). This is federal law that you all have been in violation of. Again I am asking that the invoice ( in the amount of {$3000.00} ) you received on XX/XX/2021 ( which was due on receipt ) is to be paid to me as a remedy in the form of a check due to you all being in violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (NC)

The company Ability Recovery Services , LLC picked up an old bill of mine with XXXX University one that I had already discussed with XXXX University as inaccurate. They then reported it on my credit report which was inaccurate and aged out due to fair credit reporting act. I sent an email to Ability Recovery Services notifying them of this matter and requested a validation letter of this account and I didn't hear back from them. I made them aware that this was affecting my credit and got no response.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

all three credit company refused to put the right credit score on my paperwork i think i am a victim of my information being used in the wrong way i have no funds save up yet but i feel that i still need to know my real credit score my rights as a cardholder is not being handle right by all three credit company i think they should look at a little closer thank you XXXX XXXX XXXX XXXX XX/XX/2018