davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
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: LEXISNEXIS (GA)

LexisNexis has my risk file mixed with multiple other individuals, and reporting fraudulent information about me to creditors. I have notified LexisNexis of this mixed file and fraud in a very detailed letter that I have both emailed them and sent certified mail with return receipt. 

-They have multiple fraudulent social security numbers on my credit file -Multiple Fraudulent addresses on my risk file that I have never resided -They have multiple evictions listed on my risk file that I have never lived -They have a bankruptcy listed on my risk file that is fraudulent and I never filed To this point LexisNexis has refused to acknowledge they have my risk file mixed and that they are reporting false information to 3rd parties about me that is not mine. LexisNexis is intentionally and willfully inflicting emotional distress on me, and defaming my character by continuing to report information that have been told was false/fraudulent and provided a police report outlining the identity theft that I have endured for many years. I became aware that LexisNexis was reporting fraudulent information about me when I obtained the attached denial letter form XXXX XXXX. 


I am attaching all of the same documents to this complaint that I sent to LexisNexis that they have refused to use to correct my risk file.
Consumer complaint received 2019-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (VA)

Mr. Cooper formally known as Nationstar Mortgage is at it again. Mr Cooper is engaging in delaying tactics, giving me and my Sale Agent the run around, asking for the same documents over and over again, playing hardball which Mr. Cooper engaged in during my request for my Loan Modification in XXXX which lasted for 10 years and was never modified. In addition to the XXXX games that Mr. Cooper has engaged in above, is now adding another leaf of delaying tactics to the Short Sale Mr. Cooper approved off, and scheduled for Auction Sale in XX/XX/XXXX to XXXX, XXXX. We are now at the last stage, the Closing Process of the Short Sale, and Mr. Cooper is now dictating, and shying away from its officially mandated responsibilities. Mr. Cooper is telling me and my Sale Agent,  cheering picking which amounts they will approve for payment. Besides, Mr. Cooper is backing away from the original Terms for the Short Sale Program, " The Offer Validation Program '' agreed upon by both parties when the Short Sale initially began. Mr. Cooper is coming up with another " Terms '' that will benefit Mr. Cooper. Dealing with Mr. Cooper for 10 years I have learned to know that Mr. Cooper lies and Cheat. Mr. Cooper should move fast so that we can move on to the last stage of the Short Sale process ; that is the Closing Process, instead of playing games.
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (CA)

On XX/XX/XXXX, I received a letter from some collection agency called XXXX XXXX XXXX XXXX   claiming that I owed XXXX {$110.00}.

I called them on XX/XX/XXXX to explain that I had no outstanding debt to XXXX, spoke to XXXX XXXX.

At her request I emailed her a letter on XX/XX/XXXX explaining that there was no outstanding debt. I explained that nine weeks after the conclusion of my rental XXXX had tried to charge me for damage that did not occur. I disputed the charge. That matter was resolved in my favor and I attached the letter of confirmation that I had received from my credit card on XX/XX/XXXX.

On XX/XX/XXXX I received call from someone identifying himself only as " XXXX  '' at this agency. I returned his call and repeated that I had already provided them the documentation of no outstanding debt.

At this point

he made the following false claims in violation of the Fair Debt Collection Practices Act. " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ... The false representation of -- ( A ) the ch
aracter, amount '' He claimed : -that the collection was for not for the bogus damage charge but rather for the cost of the entire car rental.

-that my credit card has issued a charge back for the amount of the car rental so that, in his words, " it was as if you had in fact rented the car for free '' These claims are 100 % false. He also refused to provide me with his full name. He demanded my email address, which they clearly all ready had, and reminded me that the call was being recorded as if he were not the one harassing me.

In short, here are the facts : -The car was returned on XX/XX/XXXX.

-The receipt showed a final charge of XXXX Euro.

-The charge posted to my credit card on XX/XX/XXXX in the amount of {$360.00} ( XXXX Euro x the exchange rate at the time 1.17589068= {$360.00} ) That credit card bill was paid in full by me on XX/XX/XXXX.

-Obviously the charge of the rental was paid in full as the amount on my credit card bill matches the receipt I was given when I returned the car.

-Additionally, no charge back was initiated by me or by my credit card regarding this invoice.

-XXXX  submitted a bogus damage charge of {$120.00} more than two months later, which appeared on the XX/XX/XXXX bill of my credit card.

-This charge was always characterized by XXXX as a damage charge.

-I did dispute that charge.

-The matter was resolved in my favor. XXXX accepted full liability and issued a credit.

-I received a letter of confirmation of the permanent credit on XX/XX/XXXX.

-The amount was for {$120.00}. Clearly this is the {$110.00} they are harassing me for, taking into consideration the difference in the exchange rate over time ).

{$120.00} is 1.16504853 {$110.00} is 1.13446602 I emphatically stated that he was not to contact me in any way in the future regarding this matter.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

a fraudulent transaction of the amount of XXXX $ happened on my checking account on XX/XX/XXXX, I submitted a claim to bank of America and they responded to me today that they're unable to honor the claim, because this person transferred money from my account twice before and that means i authorized the payment. Those other two payments were fraudulent as well and since the amount was small on those 2 transactions I didn't notice nor file a claim.
Consumer complaint received 2019-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I have a youth organization where I mentoring at risk youth through the sport of basketball, so I registered them for a local basketball tournament ( {$220.00} ) which turned out to be a scam. I reached out to the organization ( XXXX XXXX ) with was supposedly hosting the tournament me and they constantly keep text and emailing me that the refund was being proceed which will take 7-10 days its been over a month and now no response. After further research I've discovered that this company ( XXXX ) has been scamming people all over. I reached out to my bank Chase and all they could say was because I sent the money through XXXX its nothing I could do. We are a small organization on the south side of XXXX trying to help our between the age of XXXX and don't have a lot so {$220.00} is small to other but enormous for us. I feel like I didn't request my bank to add XXXX to my banking option and NO ONE from their company fully informed me of the precautions or operations of XXXX and figure because it in my banking options that it is safe to use or was backed by the bank. I just need some help trying to get our {$220.00} back so we can continue helping our community.
Consumer complaint received 2019-04-29
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. (TX)

Equifax is reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-29
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: Account Managers, Inc. (WA)

I asked for a proven fraudulent account to be deleted off my XXXX   Credit report. It was not investigated correctly. I submitted the same dispute to XXXX and it was DELETED. XXXX XXXX XXXX XXXX and XXXX XXXX have the proof this was fraud. Please reinvestigate as I have been trying so hard here to avoid bankruptcy. DISPUTE THAT WAS COMPLETED TODAY XX/XX/2019
Consumer complaint received 2019-04-29
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. (CA)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing  is past due.
Consumer complaint received 2019-04-29
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: Experian Information Solutions Inc. (GA)

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine. Please have these items removed from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently opened a Bank of America checking account again after it closing in XX/XX/XXXX. I had been with that banking institution since XX/XX/XXXX. Well I went to deposit my payroll check inside my local Bank of America branch that I have gotten since XX/XX/XXXX and was told since it was a new account that I could cash out {$200.00} and would have to deposit the rest. Then I got a receipt from the bank teller stating the funds would be available on XX/XX/XXXX at XXXX. Well I woke up the next morning and saw my online banking where the hold was extended to XX/XX/XXXX at XXXX XXXX and was not told why this hold was extended. I have contacted several people at Bank of America who will not give me a simple straight answer. I got my payroll on XX/XX/XXXX and they indicated that they have sent the necessary files to validate my payroll funds and I still can not get access to my payroll check. I went to a local branch today and was told by the Bank of America 's assistant manager there that I should go put a stop payment on my check and drive out of town to the XXXX XXXX XXXX Bank Location to cash my payroll check. My employer is with the XXXX XXXX XXXX and a XXXX and uses XXXX XXXX XXXX to pay us our payroll checks. I have gotten no resolution whatsoever from Bank of America and they still will not explain to me why my payroll check had a hold extension placed on it.
Consumer complaint received 2019-04-29
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. (OR)

On or around XX/XX/XXXX a collections account appeared on my credit report. I did not know who this was r what it was for. The name listed was XXXX XXXX XXXX ( XXXX  ) I looked them up and called them on the phone. They informed me that the Original Creditor was XXXX. They said that the bill was from XX/XX/2013 but could not tell me what the phone number was attached to the bill. I then explained to them that I have been a XXXX customer in good standing for over 15 years and that my monthly payments are automatically deducted from my bank account, and that this wasnt my bill. 

I questioned them as to how they could put this on my credit report without ever sending me a bill. They couldnt answer that question. The person I spoke said that they would send me out a form to dispute the bill. On XX/XX/XXXX I received a letter from XXXX with a form included to file a fraud complainant with XXXX. I had never once said that fraud had been committed. I then took this information and went to XXXX and had them look up the account in question. They informed me that there was no record of the account other than that it was turned over to XXXX. XXXX informed me that XXXX had all of the documentation associated with the account in question. 
When I spoke with a representative at XXXX they informed me that they had nothing either, just that they had bought the debt from somewhere. Since I got nowhere with XXXX or XXXX I filed a dispute through all three credit reporting agencies. They all came back that the account was valid. 

I have never received anything from this company ( XXXX  ) no bills no statements nothing. I am at a loss as to how a company can put something on your credit report without validating the debt, even when I spoke with them on the phone they had nothing to establish that the debt was mine. I had a credit score of over 750 before they added this account, by adding this they dropped my score by 85 points which was very damaging to my credit. I am not sure how they can do that. 

I am hoping that by reaching out for help I can get this taken care of.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2019-04-29
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. (SC)

I received a summons and complaint served to me on XX/XX/XXXX. I went to see an attorney and showed him the paperwork and informed that I never opened up any credit cards. He helped me answer the summons and we asked for verification of the debt they alleged I owe. First off the company that served me was a collection agency called XXXX XXXX. The company sent me what they claimed to be verification. I received an electronic billing statement that contained my name, address, and a partial account number. When they filed suit they did not attach the original contract from the credit card company which is required by law and called the attachment rule. XXXX XXXX also sent me an affidavit which states they bought a pool of charge offs, nothing specific to me. Also the bill of sale affidavit was not based on personal knowledge it was based on computerized books and records and not attached to the affidavit. I took everything to my attorney and we were prepared to request a jury trial. When I went to submit my request, I was informed that XXXX XXXX attorneys requested a dismissal without prejudice. They never even informed me. 

I called XXXX and informed this very nice representative everything that I stated above. She helped me to place a fraud alert on my files and helped me to dispute all the other accounts that XXXX had illegally placed on my credit file. The company is a fraud and should be blocked from placing these bogus collections on credit reports. The information that they report back to the credit bureaus is inaccurate and misleading and they are purposely destroying consumers credit. Well I am here to expose their wrongdoings and their I unwillingness to request removal of these items they know they are not able to properly validate. When an item is disputed with this collection agency they send the same generic letter which validated NOTHING, then they electronically report back to the bureaus that their information is accurate when it is not. Please see every letter attached and proof that this company is a FRAUD and is non complaint with the law and refuses to follow the rules and laws outlined by the FDCRA.

I also will be taking them back to court for damages to my credit report and their refusal to remove their accounts from my credit reports.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX  **** Balance Owed : {$12000.00}.
Consumer complaint received 2018-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I paid my outstanding balance in full as of XX/XX/18 and contacted XXXX XX/XX/XXXX after viewing my credit report. The transunion report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via Transunion. On XX/XX/XXXX I received notice from Transunion the dispute was complete and reviewed my credit report. The update submitted by XXXX indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted XXXX on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.
Consumer complaint received 2019-01-07
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. (IL)

The account below is not mines. By law I have a right to dispute a debt after receiving notice of debt. I have never received notice from this company. They have broke the FTC guidelines for reporting debts.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed this account which was paid in full Back on XX/XX/2018 and it is now XXXX XXXX and the account is still being submitted and never reached being Under investigation. I want this removed from my credit report being so I was responsible to get it paid in full.
Consumer complaint received 2018-10-17
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: Risecredit, LLC (DE)

I paid my outstanding balance in full as of XX/XX/18 and contacted Rise XX/XX/XXXX after viewing my credit report. The XXXX report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via XXXX. On XX/XX/XXXX I received notice from XXXX the dispute was complete and reviewed my credit report. The update submitted by Rise indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted Rise on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.