davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sentry Recovery and Collections, Inc. (NV)

In accordance with the fair reporting act, this creditor has violated my rights under 15 u.s. CODE 1681 section 602 states I have a right to privacy 15 U. S. CODE 1681 604 ( A ) ( 2 ) reporting agency can not furnish an account without My written instructions.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I realized last spring to early summer that my credit report has multiple accounts I did not open. I know this because I had a bankruptcy discharged in XXXX. At that time I did not want to apply for any credit whatsoever. I married in XXXX  and had a trial use if credit monitoring which alerted me my social security number has been found on dark web. Also, I was granted settlement from XXXX breach recently. XXXX or XXXX, one of those. I also have been notified I will receive compensation from XXXX breach. My purse has been stolen with my ID and ss card in XXXX and XXXX  both were reported to local law enforcement. I have disputed numerous entries on my credit reports with all 3 bureaus multiple times this year online, vis uses mail, as well as phone calls. Still, there are multiple things on my report I did not authorize.
Consumer complaint received 2019-02-14
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. (TN)

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that ere not mine. Please remove these items off my report e.s they ere not mine. XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : 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 : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX  : XXXX Transunion : XXXX ). I contacted the FTC and my local police. Im also working on my own behalf.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/year> my online Bank, Goldman Sachs Bank USA notified me that my account was gone be closed. 
Nobody ever gave me any reason why. 
I only find out about the closing, because I was going to deposit more money and I was not alowed. 
On XX/XX/year> my account was finally closed but the bank never gave me back my money ( {$1000.00} ) plus the interest gain. 
I have call so may times for almost 4 months and the only answer I got is that my check is been process. 
I need help to get my money back
Consumer complaint received 2024-05-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

The XXXX XXXX  hit me with an expense after I experienced repeated XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the apartment underneath my apartment. She would constantly run up to me where I had to call the cops repeatedly and management never protected me. When lease was up I did not renew and when I was moving ot a fowel order appeared in my aparment after I had moved my stuff out. I spent a lot of money cleaning thos carpets, my XXXX  dogs were trained. When I moved out the apartment hit me with an expense on purpose. They did not reach out to me to let me know I had a bill and sent this off immediately to a collection agency. The collection agency never contacted me to let me know they hit my credit and I found out last year from an apartment agency that Rent Recovery was on my credit and I could not get into an apartment until I have that paid off and this has left me homeless. 

I need a negotiated price and I need it in writing and they are refusing me so that I can get out of my situation. 

Can you please help? 
Thank You I have tried to contact that company a number of times.
Consumer complaint received 2024-01-11
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)

ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX *Please update the payment history with these accounts on file* Account Name : XXXX Account XXXX XXXX *Please update the payment history with these accounts on file* In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. LVNV FUNDING XXXX.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC (AR)

I have tried to send payments in on my loan because they are not the correct amount they have mailed one back to me and I am waiting on the other to be returned. I have all the money to catch it up as of XX/XX/year> but I have to wait until I get the check back. Of course this changes the amount. I was on hold for 1 hour today and I still could not get through. I am trying to pay them but they are hard to work with. I asked for help but they told me my income was not enough. I need help with Faye Service Co. they are not consumer friendly? We need more government regulation on them it appears they are in the business to take your home.
Consumer complaint received 2024-05-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P. (CA)

Had an insurance policy with XXXX for XXXX of my vehicles. I sold the vehicle and paid for that months use of the vehicle already. Called and closed out the account with a representative the day of vehicle being sold. Account closed and no amount due. Got a new car and new policy with a different insurance for better rates. XXXX reported late payments for next months amount when my account was already closed out. Called and said I already paid for the month the car was on the insurance for there should be no more amount due. Representative told me will get it fixed on there end so never paid and they never got it fixed so debt went off to a collection company and is hurting credit score.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (NY)

I Was a victim of identity Theft And Fraudulent activity, i was robbed of my wallet in XXXX, which contained my credit card XXXX XXXX My drivers license Id, Social Security Card, Cash, A Check, & also my 2 Bank account Cards. They used that information to use to open up a credit card ( discover. Bank ) of a credit Limit of {$200.00}. I Was Robbed of My wallet on XX/XX/XXXX & they Opened and applied and used my info to apply and get a Discover Credit Card Using my personal stolen information, on XX/XX/XXXX. I didnt Realize Until XX/XX/XXXX. The Account Was Closed on XX/XX/XXXX. Ive Tried Multiple Times to dispute, call, email, send letters contact XXXX, XXXX, XXXX XXXX, ect. To ge this issue resolved, because it has now effected my credit score, credit report, 3 credit Bureaus, and the stolen fraudulent discover card that was opened up and wiped out, has been and is still in now Collections/Derogatory. Which is effecting me from being able to moge forward with my credit and fix it. I need XXXX getting tbis removed fully off my credit report history and disputed fully & removed please. Thank you so much, my name is XXXX XXXX XXXX my DOB is XX/XX/XXXX. My number is XXXX and my email is XXXX XXXX
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (NY)

I Was a victim of identity Theft And Fraudulent activity, i was robbed of my wallet in XXXX, which contained my credit card XXXX  XXXX, My drivers license Id, Social Security Card, Cash, A Check, & also my XXXX Bank account Cards. They used that information to use to open up a credit card ( discover. Bank ) of a credit Limit of {$200.00}. I Was Robbed of My wallet on XX/XX/XXXX & they Opened and applied and used my info to apply and get a Discover Credit Card Using my personal stolen information, on XX/XX/XXXX. I didnt Realize Until XX/XX/XXXX. The Account Was Closed on XX/XX/XXXX. Ive Tried Multiple Times to dispute, call, email, send letters contact XXXX, XXXX, XXXX XXXX, ect. To ge this issue resolved, because it has now effected my credit score, credit report, XXXX credit Bureaus, and the stolen fraudulent discover card that was opened up and wiped out, has been and is still in now Collections/Derogatory. Which is effecting me from being able to moge forward with my credit and fix it. I need XXXX getting tbis removed fully off my credit report history and disputed fully & removed please. Thank you so much, my name is XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX. My number is XXXX and my email is XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I tried making a payment on my XXXX account with Comenity. I keep getting a message that a payment has already been applied and that I need to check scheduled payments. But there are no scheduled payments. I really just want to make my payment so I dont get hit by late fees and all that. 
I tried sending Comenity a secure message on their website and it didnt go through. I am hard of hearing and thats one of the very few options for me.
Consumer complaint received 2024-01-11
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. (MD)

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Unfortunately, my personal identifiable information was compromised and used to open a fraudulent credit card account. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report # XXXX to have this account removed from my credit file by this Creditor. Also, There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX  MD ) These accounts need to be removed immediately.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The company has reported that there was a missed payment for the month of XXXX. But the due date for payments on the account is XX/XX/XXXX. It is XX/XX/XXXX and there is even a payment scheduled for XX/XX/XXXX.
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CT)

I received a letter dated XX/XX/XXXX from resurgant capital saying I owed XXXX. Saying the account is with LVNV funding LLC. I used XXXX XXXX XXXX  to setting this debt with XXXX XXXX. The debt was settled in XXXX of XXXX.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (WA)

Former bookkeeper applied for credit fraudulently under the owner 's name, social security and date of birth. Funds were withdrawn from our account illegally and we asked for it to be reimbursed. We submitted an affidavit under their direction, spoke to them yesterday and they have confirmed this loan was indeed taken out fraudulently. Unfortunately their investigation stopped there, until we spoke to them yesterday asking to be reimbursed {$8500.00}.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (CO)

Myself, my daughter in law and my husband received a call from an attorney service saying they were taking me to court for a debt in 2002. I have not received paperwork at all for this even though they stated my correct address. Spoke with my attorney who said they have to mail me the information by Colorados Fair Collection Act. Emailed them this information and attempted to call twice but they hung up on me. They threatened to put a lien on my property, and would not give me a court date.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX, XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company Credit Collection Services has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return receipt bearing my signature and verify this alleged debt by answering the attached dispute letter to its entirety. If they can not provide the certified green card with my signature showing that they sent me the notice before they started reporting at least 5 business days prior and the verifying/validating information that I requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have tried to get my credit report from all three Consumer Reporting Agencies and these companies will not provide it. I have disputed items that are old, unverifiable, incorrect, and unauthorized. For example, my bankruptcy XXXX states they verified it but I sent XXXX a letter from the Court which states the Bankruptcy Court does not provide information to credit reporting agencies. There are inquiries from XX/XX/XXXX about nine of them and I only authorized one which was XXXX XXXX. I didn't give XXXX XXXX permission to run my credit like that. 

I sent letters out on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received a response from the big three as they are called. I have tried calling and all I get is being transferred throughout the companies or putting me on hold forever and hanging up on me. And now I can't get my reports even through XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (TX)

On XX/XX/2024 at XXXX, there was a charge in the amount of {$910.00} at XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX Tx XXXX, while I was at work in XXXX TX XXXX I called XXXX and spoke with a manager who confirmed my card was used and I informed the manager I will be calling my bank to report the fraudulent charge. I called Ace Flare bank and I was informed that my card was blocked due to the incorrect pin being tried and I followed through with reporting my card stolen and also disputing the transaction for {$910.00}. I was told by Ace Flare bank that it could take 10-45 business days for a resolution and they stated they could only offer me a {$35.00} credit while my claim is on going. On XX/XX/2024 I called Ace to check the status of my dispute and they told me that it was denied because they found an error and management decided to deny my claim. They could not tell me the error. They also stated that another reason why it was denied is because they came up with a resolution that I authorized someone to use my card while I was at work. They then stated at this time they will not be approving my claim for {$910.00} that I did not approve.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed unauthorized inquiries on my report and noticed someone applied for something in my name. I want to make you aware that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.