davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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. (FL)

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Consumer complaint received 2023-09-16
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. (TX)

XXXX XXXX Equifax and XXXX are reporting false information on this account, and they agreed to fully remove this from my credit and hasn't, please provide me with the accurate information, this effects my life and you guys are listing wrong and inaccurate info 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 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

I received an alert from XXXX XXXX last XX/XX/XXXX that I have an account that was put in collections. I checked my XXXX XXXX account ASAP and it's showing that a company named NATIONAL CREDIT ADJUSTERS ( NCA ) has filed a collection against me in the amount of {$310.00} and was placed as a derogatory account for non-payment. The account was opened last XX/XX/XXXX under XXXX XXXX and I believe that it was forwarded or purchased by NCA. The amount of {$310.00} was reported for collections and as derogatory last XX/XX/XXXX. I DID NOT open this account. I immediately filed a dispute with XXXX Credit Bureau that same day ( and I believe that XXXX also notified the other credit bureaus, XXXX and XXXX ). XXXX informed me that the estimated date of completion for the investigation will be on XX/XX/XXXX. After filing a dispute with XXXX, I called NCA and filed a dispute at the same time. I talked to XXXX XXXX from NCA. I told him that I NEVER opened an account with XXXX XXXX and I don't own this account. He said that they will take note of the dispute filing and gave me this dispute account # : XXXX. After calling NCA, I put a freeze/lock on my accounts with the 3 credit bureaus ( XXXX, XXXX and XXXX ). Up to this day, I haven't heard from NCA. 

On XX/XX/XXXX, I called XXXX and talked to XXXX to follow-up on the status of my dispute and she told me that per report, NCA rejected my dispute and claims that I opened the account. The same dispute results is showing in my XXXX account. XXXX from XXXX advised me to file a police report and gave me this website, the reason that I'm filing it today. 

Here 's the information of the creditor that I want to file a dispute : National Credit Adjusters XXXX XXXX XXXX XXXX ; XX/XX/XXXX - account was opened ; XX/XX/XXXX - reported as derogatory/reported for collections ; {$310.00} - amount of collection ; Dispute Account # : XXXX ; XXXX *NO DOCUMENTS TO PROVIDE ; I DID NOT OPEN THIS ACCOUNT!!! 

Just for the record, I also received a letter from the IRS dated XX/XX/XXXX that I may be a victim of Identity Theft. I also filed a FRAUD ALERT request with XXXX and they notified both XXXX and XXXX with regards to the fraud Alert. Actually, this is the second letter that I received from IRS. 

Please let me know if you need any more information. Thanks.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (SC)

American Express Hilton Surpass card did not post my reward points to my Hilton account. I expected to have more than XXXX points to post to my Hilton rewards to make a reservation on a Hilton property. The same issue happened to me in XXXX of XXXX  and they were very slow to respond. It took over XXXX month to reach a supervisor to correct the issue. I do not have this time and they are unable to award me the points I earned to make the needed reservation.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
XXXX XXXX NY XXXX Dear sir, I have received a call from one woman, who claimed herself as a manager of XXXX XXXX branch of XXXX XXXX The phone number said XXXX. Even though the number ( XXXX XXXX ) of this branch was different from her number, I tried to call her to determine what this woman was meant after many issues happened, since my family had never services from this branch. When she called her, while I was waiting to transfer, the background sound became obscure instead of music. I asked this woman the intention of call. She answered to ask me to open a CD. I told her I did not have intention of it at all. She asked me whether I had the issue with Chase. So honestly, I answered I had with many banks. I asked her how she got my telephone number. She told me she found it because of the account. Since I did not have the account, I clearly told her I did not have any intention to have any deals with her. The account we have was joint account and only my husband handled it. Since it is not clear the number XXXX is really Chase manager number or not, I prefer not to be contacted with a branch manager, where I never had an account, until I will decide to open an account. 
Sincerely,
Consumer complaint received 2024-04-13
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. (GA)

I am writing to address an inaccuracy in my consumer report regarding Account Name : XXXX. Specifically, my report incorrectly indicates that I missed a payment on this account. I wish to emphasize that all payments associated with this account have been made on time, and I have evidence to support this asertion.

Under the Fair Credit Reporting Act, particularly 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of individuals ' information. Therefore, it is imperative that this discrepancy is rectified promptly to uphold the integrity of my credit report.

I kindly request that the erroneous infomation regarding the missed payment on Account Name : XXXX be corrected without delay, and that my credit report accurately reflects my payment history. Thank you for your attention to this matter.
Consumer complaint received 2023-12-13
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: Affirm Holdings, Inc (CA)

I initiated a credit dispute with XXXX XXXX Affirm creditor regarding an account on my credit report. Both accounts have a XXXX balance however, it is showing missed payments that are inaccurate. I reached out to the creditors to have the late payments rectified but unfortunately, my request was denied. The creditor has not taken the necessary steps to remove the late payments and provided a vague explanation to why the late payments can't be removed
Consumer complaint received 2024-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

On XX/XX/XXXX I accessed the Carrington Mortgage Company 's mobile app to process a payment. The mobile app showed that my mortgage was up to date with payments. I called in to the company on the XXXX at XXXX am ( XXXX  ) to have them look into the account because I was not sure that this was accurate. Upon them looking into the history, they related that the forbearance plan that I had begun the previous year, came to its closing date and the leftover funds in the plan were applied to my outstanding balance. This amount covered my XXXX and XXXX payments, along with some outstanding late fees and ended up with an extra balance of around {$980.00}, which they stated was applied directly to the principal. They assured me that the account was current with nothing further outstanding, so I utilized those funds to pay other debts that were due. On XX/XX/XXXX, XXXX investigated further and they claim that there was not in fact any funds left from my forbearance, but rather that they erroneously credited my account with another borrowers mortgage payment. They relate that they then reversed what had been applied to my account and they have now set me 2 payments behind. When I contacted them on XX/XX/XXXX at XXXX ( XXXX  ), their response was that even though it was their fault ( which they admitted multiple times ), they would not be doing anything to remedy my situation. When asked what options were available, they offered me a repayment plan ( $ XXXX more a month than my regular monthly payment ) for a 3 month period to come current. They also advised that this plan would incur late fees, which they refused to wave even though this all as a result of their mistakes. Carrington Mortgage Services is an incredibly predatory lending service. They have flat out refused to remedy anything that was of their doing. 

Prior to this I also had an issue with the forbearance agreement that I entered into with Carrington in XXXX of XXXX. During my forbearance, I was told that I would no longer incur late fees, however when I contacted them in regards to paying my total amount due ( XXXX of XXXX ), it included over {$600.00} in late fees that had been assessed. When this was questioned, I was told that these were assessed to the account during forbearance because the amount due was still late. They advised me that it did not have to be paid to bring the account current though as late fees don't have to be paid until the loan maturation date. This has been an issue I have raised with them on multiple occasions and they refuse to remedy this issue, much they have done with my recent payment issue.
Consumer complaint received 2024-04-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WI)

I did not open an account on XX/XX/2023 with XXXX XXXX, it says I owe XXXX dollars that I do not have from them never even received. I keep getting calls from a debt collector and they are very abusive and rude, called srs. I do not have any documentation of this debt as I do not own this debt. 

My ssn can be used and brought up all my used names and phone numbers, but it doesnt make it my debt. 

I was even told that I opened this debt from an address I havent lived at for over 10 years.
Consumer complaint received 2024-04-23
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: SYNCHRONY FINANCIAL (TN)

XXXX  XXXXXXXX  after seeing if I was preapproved the company did a hard inquiry and started soliciting me for loans Syncs-tjxco XXXXXXXX  I was asked if I wanted a rewards card wasnt informed it was a credit card
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC. (GA)

I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Consumer complaint received 2023-09-21
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes. 

This serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have request a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 day to complete your investigation.
Consumer complaint received 2022-12-13
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: HireRight Solutions, Inc. (GA)

XXXX XXXX has the report listed as a criminal report when it is a traffic offense. It is a traffic ticket, issued to a traffic court by a traffic XXXX and adjudicated as a traffic offense by a traffic judge. The court can be contacted by phone to fix this matter. The number is on the ticket provided and hire right already has a copy. 

They refuse to do any more than look at the Virginia internet site which observes my privacy and is therefore incomplete.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Ive recently checked my credit report and saw accounts reporting that I have not authorized or given these companies permission to publish on my credit report Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I had a previous complaint XXXX This suppose to have been resolved. It was not. XXXX XXXX was suppose to have waived all the fees and correct my credit report. He was suppose to had sent me a copy of my mortgage that was redone with the rate of 3.75. He did not. Now they have sold my mortgage to another company adding more money than what I am suppose to owe. I sent them XXXX to them in XXXX stating that I am showing good faith that they would fix what they promised. They still did not fix it.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (LA)

On XXXX National Credit Adjust Reported a Collection/Charge off onto my credit report with a balance of {$400.00}. I requested that the company provide the original agreement but I have not received it.
Consumer complaint received 2024-04-22
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)

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the three major Credit Bureaus XXXX XXXX XXXX XXXX and Equifax XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.

PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as XXXX, XXXX and Equifax. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Consumer complaint received 2023-03-13
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 — Was not notified of investigation status or results
Company: United Revenue Collection Service (PA)

United Revenue Collection Services Was deleted from my XXXX, United revenue collection services placed the account back on my XXXX, and XXXX did not notify me within 5 days.
Consumer complaint received 2024-04-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 XXXX 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 2023-11-29
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. (VA)

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX, XXXX  XXXX XXXX  XXXX XXXX, AE XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX