davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This account is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resolute Credit, LLC (NY)

Collection company is trying to collect on a account that was fraud on a old XXXX XXXX account I had I reported charges that I didn't make on the account XXXX XXXX did not want to close the account and there was charges I didn't make on the account
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2020-08-04
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: CITIBANK, N.A. (CA)

Spent abpout {$500.00} of my $ XXXX limit. The business sent a letter months ago that I decided to ignore, where they claimed to not have received a {$150.00} payment. As this was not the amount of the bill, is it IMPOSSIBLE ABSOLUTELY IMPOSSIBLE for them to know it hadn't of been a payment that I had made. They later apologized in a letter. This is no longer acc eptable. They stated that my card was used in an unauthorized manner for a {$1.00} purchase ( just after the {$500.00} ) and they blocked it because of the {$1.00} purchase. Despite having all of my info in front of me they refused to verify me because the account numbers dont match up. I tried explaining to several people who wasted my time instead, that there was a previous issue and tjhat they are putting someone else 's info on my account in order to cause all of this. Then they made several excuses that my number was a landline and that's why I couldn't be verified, since I couldn't get a text. It is not a landline and I can get any calls from aywhere else. When they call me they call 9 times at once and it won't allow me to pick up the phone and they refuse that thje problem is on their end. And next person tried to call in and said that the line told her that it was busy and that it was perfectly okay if I escalated the matter to the FTC instead of trying to fix it.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I called SPS Servicing mid XXXX about the payments for XXXX and XXXX we're having trouble with on my rental property my son lives in. We've both been impacted by Covid with reduced income, but his employment and income was almost stopped because of the Covid virus impact. 

I told them I wanted to do a forbearance for the payments for the next 6 months as he's getting income coming in now, but will take time to catch up. I asked them to send me the paperwork to complete for the process, and they said they would. NO one told me the paperwork was on their website, I waited for it to come in the mail. 

When I got many letters from them, none contained the paperwork to complete, but one was the NOTICE OF DEFAULT! This is the start of the foreclosure process, which the CARES ACT  was to keep lenders from starting until XX/XX/XXXX per the federal law. I was upset to say the least that I received NO paperwork on requesting help, but a NOD! 

Since I thought, the request maybe handled online, I went online XX/XX/XXXX, and completed the request for forbearance online. I called XX/XX/XXXX and talked to several people ( although wouldn't transfer me to my relationship manager single point of contact ), and they told me they have no application showing my request. Even though I got a confirmation email the request was received ( attached ). Apparently there is a link that says, 'having trouble due to Covid ',  and I needed to fill out that request and not the one that said - need payment assistance. I was not able to complete it as it said I have an application in the system. 

In all the letters they sent me, I received a letter that I have a relationship manager, but they would not forward me to him. The person told me she reset the system so in 15 minutes I would be able to complete the COVID forbearance information. I tried several times, and I can not get the application I already completed with income and reasons for issue. 

My fear is this house has a lot of equity, {$150000.00} ; and the mortgage company is not going to cooperate with this forbearance request. If they start to add on the foreclosure costs, I will not be able to catch up the payments and their MASSIVE foreclosure fees. I can not get the relationship manager to talk to me, and I'll be bounced around until the loan is not cured and foreclosure will move to sheriff sale and all the fees involved. 

We are now 3 payments due and will be making one payment this month, and should be caught up by end of XXXX, worst case XXXX.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

On XX/XX/2020 I checked my XXXX credit report and noticed a collection from XXXX XXXX XXXX was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company Dynamic Recovery Solution. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.
Consumer complaint received 2020-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Two hard inquiries by XXXX from XX/XX/XXXX must be removed. I have two investigation letters from XXXX ( one dated XX/XX/XXXX and another dated XX/XX/XXXX ) requesting TransUnion ( and the other 3 reporting agencies ) REMOVE the duplicate hard inquiries on XXXX XXXX. TransUnion has yet to REMOVE them, and it is XX/XX/XXXX and my credit rating suffers : I am in the midst of refinancing and will pay a HIGHER interest rate if these TWO hard inquiries are not removed. 

On XX/XX/XXXX either Trans Union of XXXX XXXX XXXX ( XXXX ) entered TWO identical hard inquiries onto my credit report. Neither admits fault. I contacted both Trans Union and XXXX. XXXX investigated and asked via letter that all four agencies remove the inquiries on XX/XX/XXXX. TransUnion has not. They shift blame to XXXX. I contacted XXXX again & they offered to send another letter which I received last week. I have tried on TransUnion 's web site and contacted them via phone but neither has been successful. I can not dispute a hard inquiry on their web site & tried to do so by explaining it using an 'account ' dispute but they simply disregarded my explanation & closed my request. Please help. Thank you.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-06-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (MA)

My loan with Freedom Mortgage has been on a Covid forbearance since XX/XX/2020. Since then they have increased balance a few times and have reported these increases to all three credit bureaus. As per the Covid bill this shouldnt be happening. 

To explain, my mortgage balance before forbearance was {$460000.00} and on XX/XX/XXXX they reported a balance of {$460000.00}. I called them that same day and they said someone would call me back to discuss. No one did. On XX/XX/2020 I wrote them an email and asked them to correct my balance on my credit reports. I received an email receipt confirmation stating that someone would be in contact. To date no one has. As of XX/XX/XXXX theyve reported another increase in my balance, which is now {$470000.00}. Ive written them another email asking them to respond. At this point theyve made no effort to resolve this with me.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (WI)

In late XXXX, I became unemployed as a direct result of COVID-19 travel restrictions, and several of my credit accounts entered deferral status. I am now employed again and applied for an Apple Card, which is issued by Goldman Sachs Bank. My application was denied, because the issuers of my credit accounts, in violation of their own terms for COVID-19 deferrals, reported my accounts as past due and over limit, and Goldman Sachs knowingly relied on a credit score improperly skewed by negative information resulting from COVID-19.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MA)

On TARGET Website I purchased XXXX XXXX XXXX XXXX for 1 year. As soon as I had charged using Target RedCard # XXXX XXXX XXXX XXXX, I called and went on website to cancel. On or about one week later I received the same software that I had cancelled. I attempted to bring it back to the Target Store at XXXX XXXX, XXXX, Ma. The store stated that since it was purchased off of their website they could not take it back since it was from a seller. I then returned the unopened merchandise through XXXX on XX/XX/XXXX. Please see Return Shipping from XXXX dated XX/XX/XXXX. I then addressed a letter to their President/CEO at XXXX XXXX XXXX, XXXX, MN XXXX. On Monday, XX/XX/XXXX i received a notice from XXXX that my Fico Score had dropped for non-payment. This was followed up by dunning letters from Target. I attempted a resolution but was unsuccessful after spending three hours of phone time. Please see supporting documentation.. I was a Target fan, never will I step foot in this organization again. 

Thank you. 

XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (AZ)

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt collection agency claims I owe them. On XX/XX/2020 a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. the Bureau of Medical Economics made no attempts to contact me or provide information. Not only did the Bureau of  Medical Economics fail to provide the information required by law, but they added an additional frivolous duplicate account to my credit report.
Consumer complaint received 2023-01-06
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. (FL)

I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, 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 my 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 creditor. Please repair the late payments from this account : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (CA)

I noticed several unauthorized inquiries on my credit report. I filed a FTC report on XX/XX/2022 and I feel like my rights have been violated. Please fix these errors with XXXX, Equifax and XXXX. 

Attached : FTC Report
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

On XX/XX/2020 I checked my XXXX credit report and noticed a collection from Jefferson Capitol Systems was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company XXXX XXXX XXXX. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

It has been several months since my last credit report review, and I've found that some information remains inaccurate. Both XXXX and Equifax credit bureaus are required to verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Deeming this reported item as unverified without presenting evidence within the legal timeframe is unacceptable. I request an immediate investigation into the unverifiable item and its prompt update in my report, in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX to be blocked based upon attached id theft report. Also requesting items to be deleted but BLOCKED if not deleted. These accounts have been blocked and deleted in past. Please see prior to XX/XX/2021 the items were BLOCKED but when my credit reports were merged it some how brought it back. Confirmation number : XXXX
Consumer complaint received 2020-08-04
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: Mid-Atlantic Finance Co., Inc. (FL)

I contacted MIDATLANTIC FInance and also XXXX and XXXX   during the month of XXXX regarding an auto loan that is reporting on my credit report. XXXX and XXXX were both disputed and responded that MidAtlantic verifies this auto loan was for me. I contacted Midatlantic and verified that an auto loan exist with them under someone elses name. The name that is listed on my credit report is XXXX XXXX, her birth year is XXXX, and there is an address in Texas on my credit report that I am not affiliated with. I do not know how this womans information and an auto loan ended up on my credit report but Midatlantic is not doing anything to correct this information as I have called them multiple times. This account to my knowledge is fraudulent and I have done my part to dispute with no resolve.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I applied for a chase business credit card which I was pre-approved for. I previously have had this card and was approved. I was denied because according to chase " we do not currently offer reward programs for your type of business and we are XXXX this to avoid a potential conflict of interest '' This is interesting because I have been approved for the same business card for my current business that I applied with. 

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 XXXX XXXX XXXX XXXX 

When I called reconsideration they told me that they don't know why I was rejected and should have been approved. They informed me because I selected the wrong type of business. Reconsideration kept transferring me to multiple people and spent more than 30-40 minutes talking to different reps to resolve this matter. Unfortunately it was not resolved. I was told my type of business is not restricted but nothing was done to fix the issue and approve my application. The reps even said I am not the right person to help you. At no time did I get in contact with someone who works in reconsideration or the appropriate people to resolve this problem This is a lot of miscommunication and I am very disappointed in my experience. I have attached an email that I received from my previous research variety account with chase showing my business is compatible with their rewards program and their is no conflict of interest. Furthermore I have also included correspondence from XXXX XXXX and XXXX XXXX showing I have a legitimate business on that that is compatible with rewards programs for my type of business. Finally I attached my Illinois business authorization showing i have to pay sales tax for the items I sell.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (AZ)

XXXX ASURINT provided a background check for an employer. The employer contacted me and told me i was not honest about my background and im still on probation ( WHICH IM NOT ) so i was not able to be hired anymore. That news got back to my school that im currently enrolled in and now i am in danger of getting dropped from school because you need to have a pre hire to be in school.