davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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. (PA)

I have been patiently waiting on their response about the written requests I sent. 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance $ XXXX Opened : XX/XX/2013 XXXXBalance $ XXXX Opened : XX/XX/2013
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. you are negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX  AND LEGAL COUNSEL TO FILE SUIT.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MA)

I had XXXX for year. I swtiched to XXXX briefly my line and my 4 childrens due to a promotion for buy one phone get one free. The new phones kept getting cancelled due to a backorder. In addition, XXXX stated it would be an easy switch but it was not and my current lines were not working correctly. I called XXXX and requested to cancel all orders. 
I returned the one phone they did send, which they confirmed receipt and credited my account. I spoke w several reps to close the account due to the 2nd phone not arriving and awful service. They " Guaranteed '' me it was cancelled. Somehow, I kept getting a bill and FOR THE PHONE THEY CANCELLED the full charge for the phone they KNEW THEY CANCELLED. Now the debt, which I Vehemently dispute, keeps going to collection agency after collection agency. WORST PHONE COMPANY EVER. 
Please make them stop. They are full of empty promises and false charges! 


We canceled some or all of your order XXXX. Here 's what was canceled and why : Item Image XXXX 's XXXX XXXX XXXX Plus - 64GB - PRODUCT RED XXXX Quantity Ordered : 1 Quantity Canceled : 1 Reason : This item flew off our shelves and isn't available anymore. Let 's try this again. Shop online now or visit a store to find what you want.
Consumer complaint received 2022-09-15
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. (MO)

This is my 7th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00XXXX XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX SERVICE XXXX Balance : {$3300.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

I recevied a call from Credence Resource Management regarding an XXXX XXXX XXXX  account at an address that I've never lived at. They used my name and SSN to identify me, which is how the account was attributed to me. All the other information belonged to someone else, probably whoever opened the account as me.
Consumer complaint received 2021-09-27
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)

Ive contacted Transunion on multiple occasions concerning the removal of unauthorized and fraudulent inquiries on my credit file. Customer service told me there was no way these inquiries could be removed. About a week later a colleague of mines contacted Transunion with the exact same type of scenario and the representative removed the inquiries over the phone. The colleague of mines saw the reflection of this on his Credit report the very following day. Why was i told something could not be done by one rep? Only to have a colleague call a week later and his request was successfully honored? I feel i was discrimated against, because there is no other alternative for us both to not receive the same type of service. I am requesting again for the following credit inquiries to be removed immediately because they are fraudulent and unauthorized XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021 Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX XXXX  XXXX  Date of inquiries : XX/XX/2021 & XX/XX/2021
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance $ XXXX Opened : XX/XX/2013 XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Specialized loan Servicing, the mortgage servicer who currently service my loan, is refusing to have funds applied to a monthly pmt. I had made a pmt on XX/XX/XXXXwhich would be for the XX/XX/XXXX monthly pmt. They refused to have the payment be applied to the monthly payment. They applied to the principle balance. I always tried to pay my mortgage in advance, incase of financial hardship, which I'm and going through now. I may now default because unable to make monthly payment and need the cushion of the payments to be paid in advance. Speicialized loan servicing is causing a financial hardship by not applying payments correctly. On top of not applying funds correctly they refuse to send out informational statements about the account status. I have made three request for information statements to be sent out, all have been refused. They refused to make any corrections on how funds have been applied to my account, which makes me question on if other payments may have been missed applied
Consumer complaint received 2021-09-27
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. (TN)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. THERE IS A CHAPTER XXXX BANKRUPTCY LISTING THAT IS NOT MINE AS WELL. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-09-27
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. (AL)

In XXXX of 2021, I filed a dispute with TransUnion credit bureaus about the inaccurately reported account : XXXX XXXX -- XXXX. This account is reporting an inaccurate payment history and according to the Fair Credit Reporting Act it is supposed to be removed because all inaccuracies reported to the credit bureaus are a violation and must be removed. I have sent proof of these inaccuracies to TransUnion, So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about This inaccurately reported account as of today. Thank you
Consumer complaint received 2019-08-07
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. (GA)

There are two types of discrepancies in my credit file that has led me to believe that I have been a victim of fraud or my information is being crossed with someone else. First of all, there are two bankruptcies appearing on my report and I have never filed bankruptcy. Secondly, there are some accounts that do not belong to me and they are derogatory. I have tried to resolve this issue with the credit bureaus but it has not worked. I have attempted to pull the bankruptcy file from the courthouse for review but have not been able to retrieve any documents. I have also obtain on two separate occasions police reports to prove my case. The case numbers of those reports are listed within the fraud affidavit that I included in my disputes. So far, nothing seems to be working for me when it comes to clearing these errors off my report. I would like to have these items, which I will attach, deleted off my credit report in accordance with FCRA act 605b.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

After I paid someone to remove malware from our personal devices, I get them back only to discover shes not only an XXXX XXXX XXXXXXXX but shes installed more malware on our devices leaving her in control of our electronic devices, our vehicles, and all of financial accounts which is illegal! Our debit card transactions back this up!
Consumer complaint received 2022-12-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lotane & Associates, P.A. (FL)

Lotane and associate XXXX XXXX XXXX XXXX XXXX Is trying to collect a debit that i did not sign or approve to them to have acces to my medical records. I ask them for a validation letter .they send me procedure names and dates that have done at the hospital. That is a hippa violation.
Consumer complaint received 2021-09-27
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I sent a letter requesting an investigation of items that needed to deleted on my credit report. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. The investigation into this matter is going on 3 months.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.
Consumer complaint received 2019-12-04
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. (MN)

I have addresses listed on my XXXX XXXX, Experian and XXXX  credit report that I did not reside or live at. The following addresses are not my addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX. I have never lived or resided at the addresses. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. My current phone number is : ( XXXX ) XXXX
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I CAME ACROSS SOME RECENT INQUIRES THAT WERE NOT AUTHORIZED BY ME AND NEED REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (GA)

On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from Ally Financial has been deleted. As of XXXX this incorrect account from Ally Financial is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (SC)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (VA)

I have an " Amazon XXXX Rewards Visa Card '' that is administered through Chase. I hadn't been using this card, but began to recently. I therefore tried to register the card on the Chase website so that I could manage it, and called the company to get the account number and CVC. I spent three hours on the phone with them, and kept being told the account doesn't exist ( but they kept referencing an old account from 15 years ago ). They then removed my ability to use the card online. I do not know what the balance is, have never received a statement, I don't know what the interest rate is, and have no ability to access information on and pay on this card. The company has been useless in trying to assist me.
Consumer complaint received 2021-09-27
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. (AL)

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 2021-09-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ROBINHOOD MARKETS INC. (NJ)

I received an email telling me I had opened an account with Robinhood - which I had never done. Robinhood has no number you can call to report this. I emailed the company and they asked me to send additional personal information ( last four digits of social security number and a picture of both sides of my drivers license ). I refused because I may have already been victimized by fraud. The company was not helpful at all and repeatedly asked for this information. I have no idea if they looked into the account that was opened with my email address.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-09-14
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: Upgrade, Inc. (CA)

I never made this accounts i have 2 fraud opening accounts under this company name Upgrade Inc. I have called them and put a investigation to have this resolved. 

First account fraud made Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months Second Fraud account activity on my credit report Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months