davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

Good day, I hope this message finds you well. 

I am writing to address a recent issue with my XXXX score, which was negatively impacted by an account reported by CREDIT MANAGEMENT LP without prior notice. Upon discovering the impact on my score, I promptly contacted CREDIT MANAGEMENT LP to dispute the reporting of the account without prior notification of the outstanding payment. To my surprise, I learned that the reported payment was related to a contract termination fee with XXXX XXXX. 

In an effort to resolve the matter and reverse the negative impact on my score, I immediately settled the outstanding payment with CREDIT MANAGEMENT LP on the same day. Despite settling the payment, I have not seen any positive change in my XXXX score up to this date. 

Earlier today, I contacted XXXX to inquire about the account and explore the possibility of disputing it. However, I was informed that there is no account to dispute as the payment has already been settled. Subsequently, I also reached out to CREDIT MANAGEMENT LP again, but they were unable to provide further assistance, stating that the payment has already been resolved. 

As my XXXX score continues to be negatively affected, I am turning to you for help and guidance in resolving this matter. Your expertise and support in addressing this issue would be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-27
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

i sent a letter on XX/XX/2022 to experian/transunion/and equifax however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-11-30
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. (FL)

I tried calling and and reaching out to experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified XXXX XXXX  that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I contacted Experian about reporting wrong information concerning my address approximately 45 days ago on XXXX. To date, Experian has not changed my address to the correct one, even though I informed them of fraudulent activity upon my report.

U.S.C 1681 ( a ) 4 : : here is a need to insure consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy/ ''
Consumer complaint received 2022-12-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Starting in XXXX when I became aware that my name was placed on my mother 's home by Wells Fargo I've tried every avenue I could think of. In XXXX, I stating with the XXXX of XXXX 's home retention program, they didn't know how to handle my case because I wasn't listed on the deed. I filed a complaint with the State Attorney General 's Office and they forwarded my complaint to this office. I then filed a complaint with the city of District Attorney 's Office of XXXX and they had me file a police report, just to find out no local courts to adjudicate Federally Chartered Banks. To stop the foreclosure process while still trying to figure out how my name got on the mortgage I filed a XXXX XXXX XXXX  because I believed by that being Federal at the creditors meeting Wells Fargo would have to explain how they were legally allowed to place my name on a property I don't own. XX/XX/XXXX, the property was sold at Sheriff 's sale for {$150000.00}.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reach out to Experian many times showing my driver license and showing proof of no XXXX XXXX XXXX XXXX XXXX they refuse to delete it off of my credit report. My I my address is XXXX XXXX XXXX XXXX XXXX please have them remove fraudulent XXXX XXXX it does not belong to me. They have hurt my scores because of this. I have been trying to get it remove for 4 months. 


Thanks XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

Dispute number : XXXX This bank 's online system does not let me attach any documents. This bank 's fax number does not work. Attached are supporting documents. 

Two items in concern were returned to XXXX. Crooked XXXX is not willing to refund me my money. 

XXXX ) XXXX XXXX : This item was returned at the XXXX store. The XXXX store provided me with a return receipt. The return receipt is attached with this message. You will find the tracking details in the return receipt for this item. 

XXXX ) XXXX : This item was picked up from my house. The tracking number for this return is XXXX.
Consumer complaint received 2021-03-13
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: EQUIFAX, INC. (CA)

XXXX Im very upset with this matter. I sent a letter regarding inaccurate information on my credit report causing my credit score to drop 134 points. In till this day over 45 days later I still havent received a response. I did my research and I know the credit bruros have 30 days to respond says section 611. I feel violated.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MI)

Cavalry Portfolio Service A collection account has been misreported on my credit reports XXXX, XXXX XXXX, and XXXX Ive disputed all three credit bureaus certified mail XX/XX/XXXX, XX/XX/XXXX in response Cavalry SPV I , LLC sent a response on XX/XX/XXXX with the enclosed verification of your debt I requested for verification, I ve requested this company to provide me with my original signatures and proof my agreement was with their company, instead Cavalry SPV I , LLC, sent copies of a statement, which verifies or validate nothing. I demanded this company on XX/XX/XXXX via certified mail again to provide me with physical proof of contract with signatures : Company responded to me on XX/XX/XXXX In acknowledgement of the dispute we have requested that consumer agencies report the account as disputed. Company also sent on XX/XX/XXXX stating they received my claim of possible identity theft. Ive never sent any letter of claim to Cavalry SPV I , LLC stating identity theft. I ask for validation/verification which they have reported to all the three major credit bureaus and all they have provided me is with copies of statements. Ive requested removal from all credit reporting copies if they are unable to provide me copies with original signatures I owe their company and verifiable proof. However this information still remains on three of my credit report files.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-20
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

As of XX/XX/XXXX, Ive been unable to get my credit report or score from Equifax and XXXX. 

Ive called and Ive emails. To include. Ive even submitted my drivers license to the specified website that they requested me to upload it on several times. 

After several phone calls to them, I am still unable to have this issue resolved as we move into XXXX I am requesting immediate attention be given to this, as it is preventing me from doing things related to my credit.
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (TX)

Our mortgage company has shortened our escrow account severely, we have tried contacting them to speak with the manager ; no one has contacted us to workout a solution. They have emailed us back admitting escrow shortage was entirely escrow department 's fault. Instead of coming up with the fair solution they want to make payment arrangements ; this is not fair to us ; we asked them back in XX/XX/XXXX if our mortgage payment will change they said they will do an escrow analysis and let us know ; no one got back to us. 

This year, we received small refund back from our taxes ; we made extra payment of {$2400.00} to cover our two months ( XX/XX/XXXX and XX/XX/XXXX ) mortgage ; servicing department took our monies and applied toward XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$1400.00}. We did not agree to any arrangement with them ; we told them not to use that monies for anything it is to be applied for our XX/XX/XXXX and XX/XX/XXXX payment. they are not calling us to talk to us ; we have requested a manager with proper degree and work experience to call us because we have questions about the escrow shortage and the amount for escrow fulfill are coming from. we need to work numbers with the real person either on the phone, in writing or in-person. Our mortgage company is giving us a heck of a time. 

In attached files, it shows payment history our account was sold to Statebridge company on XX/XX/XXXX ; since then we have been making the payment of {$1200.00} and little bit more towards our principle. In XX/XX/XXXX, Statebridge company decided to lower our mortgage payment by {$100.00} ; when we questioned why they lowered our mortgage payment a mortgage service associate told us they have paid all of our taxes and homeowner 's insurance and turned out that they have collected extra in escrow. They did n't take our PUD taxes in to consideration. Because of their mistake our escrow is shortened. We are requesting CFPB to step in and help us resolve the solution.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NJ)

Checked my credit report to find out that someone stole my identity and opened up numerous accounts in my name. For example XXXX XXXX XXXX  was opened up and I was put in collections for {$4.00}, XXXX. Once I found this out I called the company who directed me to go to a store. once I did that they asked me to file a police report and send information to fXXXX XXXX XXXX XXXX Account # for this fraud is XXXX
Consumer complaint received 2022-10-21
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. (CA)

I HAVE DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/XXXX XXXX
Consumer complaint received 2017-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.
Consumer complaint received 2021-08-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report.

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

No consent is IDENTITY THEFT! 

XXXX XXXX XX/XX/XXXXInquiry :XX/XX/XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The account Experian is reporting as delinquent, ending in XXXX, was opened illegally. XXXX XXXX  violated my rights under the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. The attached documents explain in detail the violations and the CFPB ruling pertaining to these illegally opened accounts and violations. CFPB XXXX XXXX  - XXXX XXXX. XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following information that appears on my TransUnion consumer report. These address are incorrect and are not associated to me in any way. I would like TransUnion to delete the following address off of my report immediately.
Consumer complaint received 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

A payment of {$4100.00} was sent to the payment processing center in XXXX NJ it is Showing received & cashed. The XXXX Assistance XXXX XXXX id trying to track down these payments because XXXX refuses to contact their payment center to see why these payments arent applied to my account or sent to the new servicer This Check was sent back in XX/XX/2022 its now going on XXXX!
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

We have a Bank of America credit card. We needed to use XXXX to pay our maintenance person, it is an ongoing payment. Since our regular XXXX  does not work with XXXX we opened a checking account with BOA so we could use XXXX through them. We processed a cash advance from the card to deposit funds into the checking account. BoA then shut off our credit card, claiming suspicious activity. I called them and tried to get it turned back on. They refused. They said I had to go into a branch to fix this. We live in Alaska. There are no BoA branches here. I would have to get on a plane and fly to Washington state, roughly XXXX miles away to get this fixed.
Consumer complaint received 2022-12-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went on vacation and stayed at a hotel that I booked through a 3rd party. When I arrived at the hotel everything was fine and they needed a credit card for damages and/or incidentals, which is standard procedure. I agreed to give them the credit card for damages and incidentals ONLY. Upon checking out the hotel advised me that I had to pay a resort fee for each night that I was at the hotel. I told them I did not want to pay it because I did not know about it and I would have stayed at a higher-end hotel if it was going to cost that much. The hotel told me that they would just take the resort fees out of the deposit that I gave them for damages and/or incidentals. I told them that I did not agree to them doing that. Bank of America tells me that I need to hire an attorney to deal with this matter because hotels can charge you for whatever you want. I feel like this is robbery from the hotel and neglect from Bank of America.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC (AR)

I am filing a complaint against Integra Credit for operating a payroll loan service in the State of Arkansas and charging customer 's interest rate beyond the allowed limits in the state of Arkansas which is 17 %. Also, under Arkansas Law payday lenders are prohibited from providing loans to customers in Arkansas.