davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NJ)

Violation of Privacy Act and Terms and XXXXndition per to 15 usc 6801 reporting to non affiliates. Under the Privacy act of 1974 and 15 usc 6802 to 15 USC 6805,16 CFR 313.1 and 16 CFR 313.7 f i choose to opt out of all and any written and unwritten verbal and non verbal Authorization as a federal protected consumer per the CFPB.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have sent numerous letters to your bureau about my identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the associated banks, provided the necessary documents, and they have promptly deleted the account from their records. 

Additionally, other credit bureaus have already removed This account following the submission of the FTC report. I am curious about the verification method your bureau used to continue reporting this fraudulent account. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (CA)

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. 
I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 

I request that you conduct a thorough investigation into this matter and, if warranted, update my credit report to accurately reflect the current status of my accounts. Recognizing the importance of precise credit reporting, I appreciate your prompt attention to this issue. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent numerous letters to your bureau about my identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the associated banks, provided the necessary documents, and they have promptly deleted the account from their records. 

Additionally, other credit bureaus have already removed This account following the submission of the FTC report. I am curious about the verification method your bureau used to continue reporting this fraudulent account. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have sent numerous letters to your bureau about my identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the associated banks, provided the necessary documents, and they have promptly deleted the account from their records. 

Additionally, other credit bureaus have already removed This account following the submission of the FTC report. I am curious about the verification method your bureau used to continue reporting this fraudulent account. XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (CA)

I am formally disputing and requesting the correction of inaccurate late payment data on my credit report. It is essential that these accounts are corrected to accurately reflect my payment history and that any errors are promptly rectified.

I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections.

I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections.

Please provide me with a written response acknowledging the receipt of this dispute letter and informing me of the actions you will take to rectify the inaccuracies on my credit report. I also request a free copy of my updated credit report once the corrections have been made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent numerous letters to your bureau about my identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the associated banks, provided the necessary documents, and they have promptly deleted the account from their records. 

Additionally, other credit bureaus have already removed This account following the submission of the FTC report. I am curious about the verification method your bureau used to continue reporting this fraudulent account. XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-11-14
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. (TX)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MID FLORIDA FINANCING LLC (FL)

I am required to update my contact information with every interaction with a representative of the company no matter how many times I am transferred in a single call or how many calls I have during a day. Each representative I speak to requires me to update my Employer, Address, Phone Number, and Email. I can receive up to 5 calls in a day and am usually transferred at least once sometimes up to 4 times in a single call and am required to update my information with each representative. Its very excessive and stressful to be required to constantly update my information often daily.
Consumer complaint received 2024-11-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Lending Services LLC (IN)

XX/XX/XXXX. 2024 at XXXX The guy that works for Global Lending called and left a XXXX harassment message on my voicemail Transcription " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called back and made a complaint to the Supervisor and requested he never call or have access to my stuff again. 

I asked what could be done and how long it would take. She stated that she couldnt tell me anything.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened an banking account with Truist on XX/XX/year> I deposited my irs issued tax return with the amount of {$7900.00} into the account at the XXXX XXXX XXXX branch which gave me a time frame of when my funds will be released which was XX/XX/year> and I have not received any of my funds due to negligence of the bank I provided the documents of my account tax transcripts which they asked for on XX/XX/year> with no word back from anyone regarding my funds. I demanded my account be closed and funds to be mailed but they are holding my account open against my will
Consumer complaint received 2024-10-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

On my XXXX, 2024 statement, Lowe 's credit card, hosted by Synchrony Bank, without giving prior notification, charged {$1.00} for sending a paper statement. I sent a letter explaining that I had not been forewarned of a fee for them sending a paper statement and I included a check for the balance on my account which was {$12.00}. In the letter I told them to accept my check as payment in full, that I do not owe the {$1.00} fee, and that I shredded my Lowe 's card. Synchrony cashed my check. 

I received a statement in the mail today for XXXX, 2024, from Lowe 's Synchrony showing an additional {$18.00} in fees charged, raising my balance to {$20.00}, all in junk fees. There are no outstanding balance on purchases.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nexum Group Inc (NY)

On XX/XX/XXXX, I purchased a chair from XXXX XXXX XXXX " XXXX ''. 

On XX/XX/XXXX, the chair was received. 

I was careful to use XXXX because they had a 14 day return window, and I was not sure which option among many we would keep. I have a screenshot of their return policy on the product page, which states " As stated in the full Return Policy, this item may be returned if requested within 7 days of being received. '' On XX/XX/XXXX I requested a return of the chair, within 7 days as stated in the policy. 

XX/XX/XXXX, Merchant refused to honor the return policy, citing a different return policy that is nowhere to be found in the XXXX or checkout flow. 

After multiple emails where the merchant refused to provide a return authorization, stating " this is non-returnable and the manufacturer denied the return too '', I filed for a chargeback with XXXX. XXXX granted the chargeback and sent my money back. 

XXXX then sent an invoice for the goods to Nexum Group Inc, a collections agency, who has since opened a collection on my credit report. 

Item was received on
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

An auto loan that was for business is being reported on my personal credit report. The business closed and filed bankruptcy in XXXX XXXX. The court ordered the return of the vehicle by the business to XXXX in XXXX XXXX. Ally was notified that the business was voluntarily surrendering the vehicle and that they could get the vehicle anytime they wanted by the business also in XXXX of XXXX as per the court 's directions. The business bankruptcy was in the Tennessee XXXX Bankruptcy Court and the case number is XXXX. It was filed XX/XX/XXXX, the meeting of creditors was held on XX/XX/XXXX and the case was finalized on XX/XX/XXXX. The attorney that represented the business for the bankruptcy was XXXX and XXXX located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This is currently being reported on my personal credit even though my name is not on the vehicle or any of the paperwork from the dealership for the purchase and financing of this vehicle. My name should have never been affiliated with this loan. This should be removed from my credit report at all credit reporting agencies. I am attaching the installment agreement and the purchase contract from the dealer that the vehicle was purchased from and financed through showing that my name is not on this and that it is only in the business name.
Consumer complaint received 2024-09-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (FL)

Shell point purchased my loan and ever since there has been an administration charge on my account. I didnt contest the charge I called like instructed and paid the {$99.00} charge but the charge did not get removed. Then I called the following month and paid the {$99.00} charge again. This time not only was the charge not paid but my payment was reapplied which has caused me to have additional interest added to my account because this {$99.00} charge on my account prevents me from paying additional principal. I have contacted them 5 times on this issues that has been ongoing since XXXX XXXX XXXX, each time the customer service agent I have talked to agrees that this is their issue however the issues still continues. Having a debit collector force customers into a situation where they can not pay additional principal should be criminal and in my case where I tried to rectify the issue willingly multiple times they should be required to refund the interest accrued on my account t since my first attempt to resolve the issue.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX. I remitted money to XXXX through SIGUE CORP on XX/XX/2024. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/2024. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southwest Mediation Service (TX)

XXXX XXXX with SW mediation phone number XXXX has been calling different family members and myself saying that she is investigating fraud that I committed, that I need to pay today to avoid XXXX, when I returned call and asked for proof that that debt was mine, she immediately started making threats and saying and that a sheriff will be at my house between XXXX and XXXX on Friday for XXXX
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

Corruption. stealing of homes in America is at issue here. What do you plan on doing about it? You're our consumer PROTECTION bureau. where is my protection? Why are you failing Americans? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (AL)

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

XXXX and Equifax ARE NOT reporting my XXXX Credit Card # XXXX. This Credit Card has been active for XXXX plus years. I have contacted XXXX and Equifax to dispute their non-reporting of this active account. They HAVE NOT resolved it on their end. XXXX indicates that they are reporting this information to all three credit bureaus ( attached ). XXXX is receiving it and reporting it ( attached ).
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

As detailed in the attachment, HSBC wrongfully foreclosed on my house, then apologized and vacated it. 
HSBC failed to have the resulting derogatory records removed from my credit reports causing a significant drop in my credit score, and this resulted in the denial of my application to another institution to refinance my home when the rates were at 2.5 %.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRY JPMCB CARD - XX/XX/2023 XXXX OF XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud