davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

On XX/XX/XXXX, I called customer service for my card, because I lost the original card, I can't provide them with the serial number, I was not told to keep the serial number when I bought the card, I just kept I got my card information and receipt, but they locked my card for no reason and asked me to provide the serial number, so I could only send them an email to provide them with my purchase receipt. I had a recording and the customer service answered my card There is XXXX dollars in it but can't give it to me, ask me to provide the purchase receipt, I have sent it many times but it has not been resolved to me, I have been waiting for more than a month, I hope it can be resolved as soon as possibleXXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (MD)

I have just received updated copies of my credit reports from all  XXXX  credit bureaus and discovered that there was a account and company listed on my credit report that I have never been notified about in regards to a debt which is violation of FDCPA  15 USC 1692.   This company is also in violation o of HIPPA Privacy rule and Breach of Confidentially.   This company has reported unverified false information and has stolen my identity to gain profit. I never contracted with this  Company Commonwealth Finance  nor did I give consent to use or have my personal information. Further more, this company did not provide me a  HIPPA release  that I gave consent to have my personal information or any information in regards to the account listed.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (MD)

My name is 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 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part I have never lived at XXXX XXXX XXXX XXXX I moved to XXXX XXXX XXXX XXXX Immediately after XXXX XXXX XXXX and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had XXXX XXXX XXXX XXXX on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (TX)

It appears tha t EOS CCA might  have purchased my debt from another company, or otherwise reported the wrong delinquency date from the origional account. The origional delinquency date was sometime in   XXXX   and they have just reported to the credit bureau or my credit report reflects the date as   XXXX   XXXX   XXXX  , which has obviously affected my  credit score  dramatically. Federal law requires that collection agencies report the origional delinquency date from the oridional account. I want this corrected immediately. I also never received a single letter from this company regarding the debt. The debt was incurred as  XXXX  failed to meet their corporate responsibility in reviewing my account for false charges on my account. I expect this debt to be removed in the federal  7 ye ar time frame.
Consumer complaint received 2017-10-22
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. (MN)

I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXX ( 17 months ) instead of 9 months ( please note that they should not be reporting this in the first place per CARES ACT ) 2. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX
Consumer complaint received 2023-07-25
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My intended recipient didnt receive my money ( {$2000.00} ) on  XXXX   XXXX ,  2016, I  requested Bank of America  ( " Bo fA '' ) to provide me an official document or the transfer history through online banking which can show me where my money was transferred to, but they didnt and no any respond to me by now.   The information about this transaction from the bank statement and online banking transfer history I can get by now only included the transaction date, my intended recipients name and the amount ( Please refer to the attachment ). But, since my intended recipient didnt receive the money, the information what I got did n't show me exactly where my money was transferred to on  XXXX   XXXX ,    2016.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : -.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I closed my account ending in XXXX on XX/XX/2023. On XX/XX/XXXX XXXX XXXX XXXX  sent a refund to this account. Bank of America are telling me that the no longe have access to the funds, and they should have been sent back to XXXXXXXX XXXX XXXX However, XXXX XXXX XXXX XXXX is telling me that the no longer have access to the funds and to reach out to a Bank of America. I am getting the run-Around, and would like the funds returned.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NY)

PNC opened a bank account in my name without my permission or any involvement at all. They keep sending me emails to transfer my funds there. I emailed them, but they aren't working on it. I'm still receiving the emails and most recently I received a letter from them about PIN selection.
Consumer complaint received 2023-05-17
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: Self Financial Inc. (MI)

XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was 30, 60, 90 or more days late. 
XXXX  XXXX Reported On XX/XX/2023 Account Balance {$300.00}
Consumer complaint received 2023-06-22
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (TN)

I am writing this statement to address the incident of identity theft that I have recently experienced. My personal information, including my Social Security number and banking information, has been compromised without my knowledge or consent. I am deeply concerned about the potential consequences of this breach, including the risk of financial loss and damage to my credit score. 

I have taken immediate steps to mitigate the damage caused by this incident. I have contacted my financial institutions and placed a freeze on my accounts to prevent any further unauthorized activity. I have also filed a police report and contacted the credit bureaus to place a fraud alert on my credit reports. 

Going forward, I am committed to being vigilant about protecting my personal information. I will be monitoring my accounts closely for any signs of unauthorized activity, and I will be exercising caution when sharing information online or over the phone. 

I sincerely hope that the individuals responsible for this theft will be brought to justice, and I urge anyone who has experienced a similar incident to take immediate action to protect themselves from further harm. 

I hope this helps! Let me know if you need anything else.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (OK)

This is a Notice that you have broken the law. 

CREDIT MANAGEMENT COMPANY Does not have a license to collect a debt in the state of Oklahoma which is the state that I reside in. Nor do you have licenses to collect debt in Texas in which XXXX XXXX XXXX XXXXesides. 

CREDIT MANAGEMENT COMPANY is reporting a collection account to XXXX, XXXX and XXXX. With a open date of XXXX XXXX and a balance of {$1300.00} Congress has made it clear that there is abundant evidence of the abusive, deceptive and unfair debt collection practices by debt collectors. SOME of the Violations committed by CREDIT MANAGEMENT COMPANY include the following : 15 U.S.C 1692b 15 U.S.C 1692c 15.U.S.C 1682d 15 U.S.C 1692e 15 U.S.C 1692f 15 U.S.C 1692e 18 U.S.C 1001 Additionally, This Is a notice of dispute.I am requesting VALIDATION, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting VALIDATION that is competent evidence being my signature showing that I have or ever had some contractual obligations to pay you. Provide the purchase agreement and all other documentary evidence. 

Please also be aware that any negative marks found on my credit reports or fraudulent security liens placed on my personal property ( including XXXX, XXXX, XXXX, and or Public Offices ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry and any fraudulent security Interest liens removed from my personal property. 

HJR192 Otherwise known as Public Law 73-10 states " All debts public and private are paid for. '' Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

The continuous of willful non compliance may result in information being shared to the following : XXXX XXXX XXXX XXXX XXXX XXXX FTC ( Fair Trade Commission ) .. For Fraud Attorney General But the failure to respond within 30 days will also have the same result.

Additionally, Failure to respond within 30 days may result in a small claims legal action at my local venue. In which Ill seek {$1000.00} for but not limited to the following violations : violations Defamation *Negligent Enablement of Identity Fraud *Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 0 *Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) *Copyright Infringement of Trade name XXXX XXXX
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX DOE XXXX - XXXX
Consumer complaint received 2017-02-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Every year Carrington mortgage service increase my monthly payment claiming a projected tax increase which the original monthly payment escrow is more than enough to cover the taxes. The taxes has not increase either. They also increase my monthly payment because they clam that there was not enough in the escrow to cover the taxes. 
They also my it difficult to have your monthly payment applied to the account after making a payment. They applied the payment after the grace period so that they can charge a late fee even thou you have prove that the payment was made in plenty of time. I have asked them to stop calling me but they continue to call for nonsense.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I understand that is my right by law to dispute inaccurate information on my credit report and from my understanding the Transunion doesnt wish to allow me to exercise that right. I have mailed my dispute to them as of XXXX/XXXX/2023 and never received any correspondence from them in regards to my investigation into the matter as I was also a victim of a data breach from XXXX.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC (NY)

Good day, I paid my XXXX Master Card, under Continental Financial, credit card bill in full on XXXX XXXX, 2017, before it was due and on XXXX XXXX, 2017, I was charged a {$10.00} " monthly maintenance fee '' so I contacted XXXX Credit Card customer service, on XXXX XXXX, at XXXX, and inquired about a monthly fee when the balance is XXXX and the customer representative informed me that every month I will be charged {$10.00}. I think that is not only unfair but unscrupulous practices. I paid off my credit card in full to increase my credit score and increase my available credit, but now I will close my account immediately after I pay this insane {$10.00} fee to maintain my account ; when there is absolutely nothing to maintain. I will continue to complain and shed light on these practices. Thank you and have a wonderful day.