davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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. (SC)

XXXX XXXX XXXX is trying to collect a debt that i do not owe, and they are reporting this debt to the Consumer Reporting Agencies. XXXX XXXX XXXX has yet to provide proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., Oct 29 2002 ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. XXXX  XXXX XXXX has yet to send me any of the items mentioned. This debt is deficient of physical verifiable validation, plus this is a debt i do not owe. They are reporting this debt to all three credit bureaus which is hurting my reputation. If XXXX XXXX XXXX does not have this collection account removed from my all three of my credit reports i am prepared to go to court for violations of the Fair Debt Collection Practices Act, 15 U.S.C 1692 ( hereinafter " FDCPA '' ), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices., and file compliant with the Attorney General of my state, and file compliant with the XXXX.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account With XXXXXXXX XXXX
Consumer complaint received 2021-05-26
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. (FL)

I'M HAVING AN ISSUE WITH TRANSUNION VIOLATING MY CONSUMER LAWS. THEY ARE NOT FOLLOWING THE LAW. 


1. XXXX Account XXXX : XXXX RE : Reinvestigation/ Dispute inaccurate information on my credit report. 

To whom it may concern, I recently disputed this account due to inaccuracy and validation of this account, not only has this account not truly been validated according to 15 USC 1681 Truth in lending nor by Section 609 ( a ) ( 1 ) ( A ).

1. I also wanted to inform you that since, XX/XX/XXXX, through XXXX XXXX, all federal backed student loans have been placed in administrative forbearance due to the COVID-19 pandemic. This means that there should be NO derogatory remarks reporting on my consumer credit report. XXXX Account Number : XXXX This account has been inaccurately reporting negative remarks from XX/XX/XXXX -XXXX XXXXXXXX. This is clearly inaccurate from the photos I am sending as well. PLEASE REMOVE IMMEDIATELY. The investigation must be completed 15 days after receiving this request pursuant to 15 U.S.C 1681i ( 7 ).

Pursuant to 1681 U.S. C. 1681e ( b )., whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2021-05-26
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. (AL)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

I need help. Original amount was less than a XXXX. I don't remember buying anything with them. 

SOUTHWEST CREDIT SYSTEMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXX Responsibility : Individual Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$670.00} Date Updated:XX/XX/XXXX Original Amount : {$89.00} Original Creditor : XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed :XX/XX/XXXX
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION (MD)

Dear CFPB Representative, On XX/XX/2021 XXXX XXXX ET We applied for SunTrust XXXX XXXX Rewards ( App ID : XXXX ) and on XX/XX/2021 received a letter from Suntrust that application was approved for lesser amount and to call and make arrangements for balance tranfer update. 
On XX/XX/2021 I called Suntrust credot card underwriting department and gave them new instructions for balance transfer amount based on lesser approved amount. I was told by representative that new amounts will be processed and balance transfers will go through. 
Since then, I spoke couple times with Suntrust credit card representatives about this matter and was told that they would investigate my balance transfer request. 
On XX/XX/XXXX I received email from Suntrust representative that she couldn't confirm my balance transfer and I immediately called Underwriting department and was told that they have provided Credit Card department the request for balance transfer. 
on XX/XX/2021 I spoke with supervisor of credit card department and was told that she filed the case for research # XXXX She also told me that there is 13 calendar days requirement in Terms and Conditions for balance transfer to go through which I was not able to see in Terms and conditions and would like that Suntrust provides me it in writing. Due to delays I may get late fees on the accounts that should receive funds and also I would like a compensation from Suntrust for all the valuable time I took from my business to follow this case which is mishandling customers credit card account balance trader request. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation (NC)

I did not know I owed XXXX XXXX XXXX ambulance service. I never got a bill. I discovered it on my insurance site ( XXXX ). I started getting calls from Data Max. I thought Data Max was a scam, never heard of it. Messages just said Debt Collector, not naming debtor. I agreed to make payments of {$50.00} Dollars for 5 months, and I made all payments, total {$250.00}. I have cancelled checks paid by bank. This agreement was made with the debtor. I have cancelled checks, and the actual bill of XXXX I can send you. I want it off my CREDIT REPORT.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

In XXXX I was notified that my loan was being purchased by Sun Trust Bank and would be given a XXXX  day grace period for payments starting XX/XX/XXXX My payment to my previous mortgage service company was rejected on XX/XX/XXXX. I called Sun Trust Bank and was told I was not yet in the system and they were unable to take a payment due to a recent acquisition. The representative told me to make both XXXX and XXXX payments on the XXXX of XXXX. However received a delinquency letter and a call threatening to ruin my credit on XX/XX/XXXX from Sun Trust if they did not receive immediate payment.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Team Recovery Inc. (OH)

Team Recovery managed credit reporting on behalf of an attorney in XXXX, OH who represented XXXX XXXX XXXX. 
The balance owed on a medical bill was paid in full after it was presented but during the process agents from Team Recovery threatened that my credit would be negatively affected. Even though the account was paid and the attorney dismissed the case in XXXX XXXX XXXX the collections attempt still shows as a negative report on my credit. 

In XXXX of 2021 I contacted both team Recovery and the attorney at their advise and the attorney agreed to remove the report from my credit. The negative report has not been removed and remains on my report even though all parties have agreed to remove it.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (LA)

We were evacuated during hurricane XXXX by the state of Louisiana and we were in a motel for many weeks, we went months without no mail. Used credit card for everything, FEMA reimburse us for most of the cards. We had very poor living conditions where we were housed. FEMA was doing bank deposits to our accounts to cover these bills and then we were doing bank draft 's to the credit card company. They later claimed we did not pay them. They had double billed us and I would file dispute which went on since XX/XX/2020 to now. They would remove charge then week later put it back, pus add extra fees. Billed on charges with wrong dates, billed before we were evacuated. I closed the account, paid them over {$7000.00} in a few months then they turned it over to a collection agency. Tried to destroy my credit with credit reporting agencies. They finally removed most of the charges giving credits but never notified collection agency and now they are threatening me on charges that do not exist. They also failed to report the changes to credit reporting agency. I paid bill in full but {$50.00} and then they added charges which I had already paid. Hey claim the disputes were with motel when they were with the credit card company. American Express has taken advantage of our misfortune, took advantage of us with the fact that we didn't get mail for many months and we were making our payments without seeing bills and going by their good faith their word which turned out to be no good. Had been a customer with him for many years never was late late on a payment always paid my bills in full. As I said I gave them over {$7000.00} within several months. When we did get back to our home we were homeless lost everything our home and everything we own. XXXX XXXX XXXX is the collection agency and even after I called them they did not believe what I told them. Now I have received another threatening letter on charges I do not owe and even after American Express credit the account back they failed to notify the collection agency and is still trying to collect on money I do not owe. I have copies of it all. I'm homeless and living with a relative and isn't not enough American Express is now trying to destroy my credit and my character. I believe this is being done because I paid off the balance fast and they did not get to charge me high interest and extra fees. American Express failed to report the {$7000.00} to the credit reporting agencies also. Bottom line instead of using the money to secure me housing I paid my bills and for my actions and good faith they have turned my image into a lying thief. Now this collection agency is trying to collect on funds not owed. That can't be legal. American Express has preyed on the fact that we lost everything and have no funds to fight them. Beware check your statement non stop.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (FL)

XXXX has a fraudulence case against defendant and garnish wages-false notice of rights for defendant to dispute the case at the time of an alleged judgment. 2 courts can not verify debt to tell defendant what credit card XXXX is garnishing defendant wages for. lawyers could not know what credit card in question XXXX are garnishing defendant wages for. credit card account information in document to garnishee is unknown. XXXX used improper service and correspondence to have an alleged judgment against defendant. defendant did not receive valid information to verify debt as XXXX wants to collect incorrect amount of money from defendant. Defendant learned such garnishment from Garnishee and after money was subtracted from defendant paycheck. XXXX is in violation of FCRA ( fair credit reporting act ). Attorneys of XXXX  are using misrepresentation to have an alleged judgment and to garnish defendant wages and these, I believe, are violations of FCRA and of sensitive security information that is controlled under 49 C.F.R. part 15 and 1520. Please, CFPB stop XXXX and this garnishment to protect consumer.
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

My mortgage company says I'm 2 months behind on my payments when twice I have payed on the XXXX of XX/XX/2021 and XX/XX/2021. They sent my payment to the wrong account noted that it was their mistake and processed the payment. A week later I get a letter stating I owe for the last month and this month and also I late fee. I called them on the phone and was told it should have been fixed and someone deleted the work order off my account and did not update it. They said they were sorry for the error and would fix it. The next month I make a payment, which is XX/XX/XXXX, they tell it late and reported it that I didn't make any payments and that I'm late for both payments. As of right now I have a statement stating I still owe XXXX. Which I should be current at this point in time. All attempts to get them to fix my account and rectify the credit reports and late fees have been so far not happened.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (MI)

Diversified consultants commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the 1st week of XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate
Consumer complaint received 2018-06-12
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. (NJ)

XX/XX/2018 - My potential landlord ran my credit check on XX/XX/XXXX and shared the report. I see a fraud and identity theft on my account. I see an address that is not mine on my credit report and also see a collection charge of {$610.00} on my credit report. 

Disputing address on file XXXX XXXX XXXX XXXX, XXXX   XXXX Disputing Collections and {$610.00} charges on File Creditor Name : XXXX XXXX XXXX I tried to report this dispute online through XXXX but I was unable to submit a dispute. Tried calling them at XXXX but was put on hold for more than one hour.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On Thursday, XX/XX/2022, we notified Bank of America ( by phone ) that we noticed several fraudulent charges on our Checking Account ( ending XXXX ) totaling {$5800.00} ( 7 individual transactions ). We have called everyday since ( 5 separate times ) with no resolution, no credits. Each time we call they have no record of our previous call. Today ( XX/XX/2022 ) that they will investigate over the next 10 days and get back to us. They will not give us any credits until the investigation is over.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

TRANSFINANCIAL COMPANI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) is claiming that I owe them {$400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Consumer complaint received 2021-05-25
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. (DE)

I have reached out to TransUnion well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2021-05-26
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. (PA)

XXXX XXXX has a creed freeze on my account for6 months but still if I use services like XXXX XXXX and XXXX XXXXXXXX they allow them to let HARD INQUIRIES come on credit report to scam money. I ask for FAIR CREDIT REPORTING ACT SECTION 604 and 609. I sent them registered mail with the federal law to have them show anything Oi did to make these hard inquiries. It is your job to tell them to stop fraud for money on my expense. If they did what the fcra 604 sad then I couldn't show you how they all 3 are ringing money on customers exsoese then there customer service is XXXX and they have know idea what American laws do. They are trained to say no and that is all the major credit bureau does. I work hard and these hard inquires are fraud. 

1. XXXX XXXX XX/XX/XXXX. FRAUD CREDIT INQUIREY 2.XX/XX/XXXX..XXXX XXXX XXXX FRAUD INQUIREY 3.XXXX XXXX XXXX Fraud Inquiery 4.XXXX XXXX  XX/XX/XXXX fraud inquiry 5. XXXX Fraud Inquirey that all on report I had nothing to do with. Take these off or I will go to court and drain you for destroying peoples lives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

fter receiving and reviewing my credit report in XX/XX/XXXX of last year I noticed a derogatory mark listed by XXXX XXXX XXXX XXXX XXXX. I've contacted and sent multiple validation request as well as filed complains using CFPB before. Each time XXXX ( XXXX XXXX XXXX XXXX XXXX ) Has responded with the same verification and the complaint has been closed although what they have CONSTANTLY sent is not what I've requested the amount on the statements are not what's reporting to the Credit Bureau nor is it VALIDATING the debt is mine. I have sent certified letters requesting that the debt be validated NOT verified, specifically I want a signed agreement between XXXX and myself AS WELL as a detailed list of services and expenses meaning WHAT SERVICE did I get on the alleged day and WHAT WAS CHARGED for the alleged debt as well as WHAT WAS PAID. They have provided a billing statement which DOES NOT prove that I'm obligated to pay them anything. They have reported delinquent information to the Credit Bureau that I am asking to be removed. I am unaware of how they obtained my personal identifying information without my knowledge or consent, and they have failed in providing the acceptable information proving they have the right to report such negative information. Therefore I am disputing the validity of this alleged debt. I've attached the letter that I sent along with the companies response to that letter, this IS NOT VALIDATING the debt is mine. I'm requesting the immediate removal!
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NV)

I cancelled my cable service with XXXX XXXX XXXX XXXX and was told I would receive a final invoice for the pro-rated amount, I never received the final bill from the original creditor as required by law. Suddenly, I received a debt collector notification in the mail. Had I been sent a final invoice, I would have paid it. Now, it was illegally forwarded to debt collection service who has put a derogatory remark on my credit report.