davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-06
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)

On XX/XX/2021 I mailed XXXX a certifed letter letter notifying them of several violations that they have commited against me and they have yet to fix this fraudulent issue. They responded on the CFPB website saying they dont recognize my name in their system which seems to be a stall tactic to be honest. I want this issue resolved immediately or I will be taking legal action
Consumer complaint received 2021-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc. (FL)

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with NATIONWIDE RECOVERY SV for them to have obtain my personal information or medical records. In fact NATIONWIDE RECOVERY SV this is an violation of 15 USC 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 USC 1302d-9 ( b ) ( 3 ) HIPPA Privacy. By NATIONWIDE RECOVERY SV obtaining my personal information and medical records with out my consent have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt NATIONWIDE RECOVERY SV has furnished to my consumer 's reports.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Coradius International LLC (TX)

I received a letter from American Coradius International LLC stating that I owed XXXX {$300.00}. I have never had a XXXX account. I have never used XXXX or even tried to go to their website. Also, it is my understanding that XXXX is not in the business of extending credit, but rather a go between for making online purchases. Therefore, this letter in my opinion is an obvious scam. Either intended to get money directly, or to get me to call their number so they can then record my voice to further commit frauds against me. 

The letter says to send checks to : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NY XXXX The letter states that calls to or from may be monitored or recorded.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion - Credit Reporting Company, TransUnion is reporting my XXXX XXXX XXXX XXXX XXXX XXXX  ) Account as {$3200.00}. 

The existing balance on my XXXX XXXX XXXX XXXX ( XXXX ) Account is {$1600.00}.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (CA)

I am submitting this complaint because I am being extremely affected by Professional Debt Mediation , Inc . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I was harassed on the phone constantly despite telling the phone reps at your collection company not to call me. The Original creditor grossly overcharged me and kept on increase the balance frivolously. My request for validation was ignored and your company failed to mark me as disputed and failed to provide me with validation of the debt. Also Professional Debt Mediation, Inc. dont have registered agent in California Account Information : Account Number XXXX  : Balance : {$1000.00} Date Opened : XX/XX/2016.

Type : Derogatory Account Number XXXX  : Balance : {$1400.00} Date Opened : XX/XX/2016. 
Type : Derogatory Solution : deletion accounts from all credit bureaus and waive the balance
Consumer complaint received 2021-10-06
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. (CA)

I have repeatedly contacted Experian since XXXX. Only to be led along an endless call prompt and never being able to speak with a live person. 

My uncle added me to his XXXX account as an authorized user. Since XXXX the account was never posted to my credit file. Since XXXX we have repeatedly contacted Experian and XXXX. Only to be told the issue is with the other party. 

My uncle filed an escalation with XXXX and after an investigation they mailed us a letter stating the account has been reported to Experian and the issue is with them. 

I have yet to speak with an English speaking supervisor or anyone at Experian who can understand and correct this issue. 

The authorized user account is reporting to Experian under my name, birthdate, and the primary card holders ( my uncle ) information. 

This is causing a second credit report under my name and information to be created.
Consumer complaint received 2021-10-06
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. (IA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

My information has appeared in XXXX data breach and from XX/XX/2021 - XX/XX/2021. My debit card was used fraudulently for online purchases for which I received no benefit. My login was compromised due the data breach, which allowed access to XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX " your phone '' application which allows user to receive text via a pc. Using the compromised accounts someone was able to drain my account of over {$200000.00}. Wellsfargo denied my claims sighting that I funded the purchases with wires. The wires were not the funding of any purchases but instead sales of houses and products via online marketplaces.
Consumer complaint received 2021-10-06
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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1300.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXD XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}
Consumer complaint received 2021-10-06
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. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-10-06
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: Phoenix Financial Services LLC (TN)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2021-10-06
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: LEXISNEXIS (MI)

I am filing a complaint against XXXX regarding an inaccurate credit reporting on my XXXX Credit Report. They are reporting a bankruptcy which was reported to them by LexisNexis. This was totally wrong and I contacted LexisNexis right away to get this corrected. As of XX/XX/2021 LexisNexis deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted XXXX and informed them that this bankruptcy was deleted by LexisNexis and that I want it now removed from my XXXX report as this was corrected by the data furnisher. XXXX AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against XXXX  for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my XXXX credit report.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

XXXX has ( 2 ) Credit Cards open up in my name from the same company. The company is LVNV. One total amount is {$1000.00} and the second amount is {$360.00}. 
I also have ( 10 ) Hard Inquires on my Credit Report. All of the Hard Inquires were unverified and unauthorized and I want the Hard Inquires removed. 
I have submitted a copy of my Drivers License and a Copy of my Social Security Card along with a Cover Letter stating the Hard Inquires were not authorized by me and ( 2 ) Credit Cards from the same company were open in my name. I sent my crucial documents to XXXX on XX/XX/XXXX and XX/XX/XXXX and XXXX has yet to remove these items from my account. I called today XX/XX/XXXX 3 times and was informed by the representative for me to resubmit my personal information via mail again. I sent my personal information twice to XXXX XXXX XXXX, XXXX PA XXXX. 
Now I'm feeling like one of the representatives in XXXX is using my documents.
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I have sold my home and paid off my loan with Carrington in 2020. I need my past escrow statements but they are not sending them to me. The past 4 days I have been calling them, talking to a Customer Servis representative and each time they tell me it will be faxed in one hour.

I need those documents NOW. Just today I talked to a supervisor who promised their delivery, ASAP. 5.5 hours later, I still dont have them. This is a company that should not service people, because they are not capable. Theyd tell you what you want to hear, just to get rid of you. They dont have the digital technology in place either. Representatives are not able to pull data/documents, another department has to dig them out. As if they are still living in the 19th century and information technology has just been invented. 
I want my documents, that belong to me. Urgently!
Consumer complaint received 2021-10-06
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. (SC)

During the months of XXXX and XXXX I have disputed online and mailed in disputes by Certified Letters. I have been disputing the inaccuracies found on my report and I keep getting the same generic messages that this account has been verified. I have never received proof, or sources used on how these accounts have been verified. I have alot of inaccurate information on my credit report. I have a bankruptcy on my Experian report but on my XXXX it was removed. I have 7 collections on my Experian report but XXXX removed the same collections. So how are the same collections and Bankruptcy being removed from another credit report agency because of an inaccuracy but Experian states that these items in question have been verified.
Consumer complaint received 2021-10-06
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: DISCOVER BANK (SC)

XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} DISCOVER FIN SVCS LLC Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} XXXX CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (NY)

A few months ago I was informed they were snatching money that I deposited in my account and some other transactions totaling up to XXXX dollars. There were a few instances were I had to call to see if the rebuttal was checked since I attached new evidence with a automated response that said they wasn't gon na change their decision.
Consumer complaint received 2021-10-06
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: REGIONS FINANCIAL CORPORATION (SC)

I am a victim of identity theft, my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud happened nor I have not benefited from any of this. I provided proof that I was XXXX  ( identity theft report, the accounts, paper work from the government of my XXXX  and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX  ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX  and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Consumer complaint received 2021-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

I have been trying to understand why this company has not applied over {$4000.00} that i have paid onto my mortgage which is still stating I am behind for almost a year. I have bank statements from XXXX that shows payment every month since XXXX  when i purchased. I was put into a forbearance without my approval. Every time i call I have been told they can not tell me what is going on. They will not allow me to speak to upper management. The mitigation department has told me i do not have to pay XXXX payment but i have to pay {$500.00} which is not true. I called my lawyers and they directed me to file a complaint against US Bank mortgage. They have my account so disturbing and confusing and no one is trying to address the issue. I had a representative tell me out of frustration on her behalf that their systems are talking to one another. I refused to pay any further mortgages until this mess is straighten out. Every department tells me something different and i have no idea what is going on. My attorney has sent authorization for them to speak with me and still no assistance is given. This bank has me very XXXX. It appears that maybe fraudulent is occurring. Please Assist!!!!
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ZIONS BANCORPORATION (NV)

XX/XX/2021 I, a consumer was denied to opening a new account and applying for a open end credit as a result from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the banker named XXXX Banks who used my social security ( credit card ) informed me I was denied in respects to my consumer credit report from XXXX XXXX Pursuant 15 USC 1602 ( g ) As a consumer it is my right to extend credit and I have been violated for unlawful conduct in regards to denial of credit. I demand Bank of Nevada take notice of 15 USC 1681 ( a ) ( i ) and 15 USC 1681b the usage of my consumer report does not include determination on my approval of extension of credit directly or indirectly.
Consumer complaint received 2020-11-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

I have been on a financial hardship Forbearance plan due to Covid-19. The forbearance has expired on XX/XX/20, for the past 3 months prior to the expiration date, I have been in touch with the loan servicer Selene Finance to find a resolution to the forbearance. They asked me what type of income do I have, I told them that I was getting unemployment, I was told that unemployment is not considered an income. Therefore I am not a candidate for any resolution. Early in XXXX, I requested a 6 months extension of the forbearance I was told to send in a hardship letter which I did, and now they are requesting two paystub and two months off bank statements. I feel that they are playing a game so that I can place me in a vulnerable position for them to foreclose on my house. Sincerely
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AR)

This company is currently showing 30 days late ( XX/XX/2021 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-10-06
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)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX0days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am trying to close on the sale of my property, and there is an outstanding lien against the property. The HELOC in question was satisfied several years ago, but the satisfaction letter the bank sent to the county references the incorrect loan. Closing is scheduled for tomorrow XXXX so I doubt anything will get resolved today. But as it stands, I am just a name on their list of many requests to satisfy and I have been for over a week. I have done my own research with the County and the records are attached. Satisfaction letter ( instrument XXXX ) references a loan that was originally recorded as instrument # XXXX which does not belong to me.