davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were TransUnion and XXXX. Now XXXX  states as of XX/XX/XXXX there was no data to be reported but Transunion stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that XXXX   and Transunion did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the account.
Consumer complaint received 2019-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

This was a debt that originated with XXXX  XXXX XXXX and not this collection company. Debt was charged off by XXXX  XXXX XXXX then replaced back on as active by collection company. I informed them that I believe their actions to be illegal and representatives became very rude. I asked them to stop calling and notify me in writing, they have refused. It is my opinion that their actions are illegal and at best falsifying information on my credit report to cause me the most harm. They are intentially hitting my credit report as often as they can to make my score go down. Their actions have caused me to lose a federal job.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-02
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. (NJ)

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I  requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CADENCE BANK (AR)

On XX/XX/XXXX I called XXXX Arkansas ( XXXX ) to pay an electric bill with a debit card ( checking account ) for {$190.00} ( Cadence BankXXXX ) . Apparently they use ( possibly a subsidiary ) XXXX XXXX ( XXXX ) to handle these types of transactions. I have proof from a bank statement dated XX/XX/XXXX that XXXX did receive this payment which was posted by the bank on XX/XX/XXXX. However, the utility account was never credited and the power has been disconnected ( this is for a garage apartment this is a rental property... presently unoccupied. An invoice was mailed XX/XX/XXXX showing a past due amount of {$250.00}. I contacted XXXX Customer Service ( same number as above ). Three different representatives gave me three different responses. ( 1 ) " Let me see if I can reach out to someone and see why your account was not credited '' ( while on hold they terminated the call. ( 2 ) " You must send your inquiry via e-mail and that's all I can tell you ''. ( 3 ) " We can not help you. You must call XXXX XXXX ''. I called XXXX XXXX yesterday ( XX/XX/XXXX ). During two calls I was placed on hold for over 30 minutes each time and never got to speak with a representative. Today at a local authorized payment location ( XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Arkansas ) I paid {$280.00} in cash to pay the last bill in full and a {$39.00} cash payment to have power reconnected. Of course, the {$280.00} amount included the {$190.00} already paid but not credited. No one would take any responsibility or try to help me find out why my debit card payment was unaccounted for and misplaced. This is an example of an abusive, incompetent monopoly.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (AR)

I am submitting this Complaint regarding the fraudulent account and information I found you report on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. I am in need of you to please rmeove hte following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX FIN XXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was XXXX XXXX XXXX while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see XXXX XXXX face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXXXXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (AZ)

My bank I been with 7 yrs I went through all my bank statements 4times and realize that XXXX is missing with no paper trail or transactions the money is just gone with no explanation and I need help with filing a lawsuit against I have all my bank statements and documentation I work hard and for money to missing and they cant give me a straight forward message I would like to sue them for the money missing and the stress it has caused me they closed my account said it was compromised and they are only sending some of my money in a check which is XXXX when I had a deposit of XXXX in my account when there is supposed to be XXXX I want all my money so is there anyway I can file a lawsuit I tried to call several times they refuse to tell me what happened to my money Im honestly stressed and upset about my money i can be reached by email or phone XXXX or XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (CT)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXX XXXX  XXXX Open options Account # : **** Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXX Creditor Type : Banking Account Status : Closed XXXX XXXX  Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : CollectionOrChargeOff Account Rating : XXXX Creditor Type : Finance Account Status : Closed XXXX XXXX XXXX options Account # : XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXX Creditor Type : Banking Account Status : Closed U.S. Bankruptcy Court Add a custom Message Type : XXXX Status : XXXX Reference # : XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : XXXX XXXXXXXX XXXX FL XXXX XXXX Add a custom Message Type : XXXX Status : XXXX Reference # : XXXX XXXX XXXX : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX options Account # XXXX XXXX Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXX Creditor Type : Finance Account Status : Closed XXXX XXXX  Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Add a custom Message XXXX Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXX Creditor Type : Banking Account Status : Closed 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX also 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX XXXX rewards credit card, a XXXX XXXX  XXXX XXXX store card, and a XXXX XXXX  XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both XXXX  and Equifax by phone, i've submitted several documents to Equifax by certified mail, and fax, and and several attempts i was not able to be helped.
Consumer complaint received 2023-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I made an FHA loan through XXXX XXXX on XX/XX/XXXX. XXXX XXXX had sent me a notice dated XX/XX/XXXX indicating that the servicing of my mortgage loan is being transferred from XXXX XXXX to PHH Mortgage Services effective XX/XX/XXXX. 


I had made two mortgage payments to XXXX XXXX. I had made one payment of {$2700.00} on XX/XX/XXXX for the XXXX due date and a second payment of {$2700.00} on XX/XX/XXXX for the XXXX due date. However, XXXXXXXX XXXX  had only wired one of these payments to PHH on XX/XX/XXXX and received by PHH on XX/XX/XXXX. 


A rep from XXXXXXXX XXXX had indicated that they had only sent one payment over to PHH because XXXXXXXX XXXX 's records have an effective transfer date of XX/XX/XXXX with the " paid to date '' of XX/XX/XXXX. The representative had indicated that the first payment of {$2700.00} on XX/XX/XXXX for the XXXX XXXX date was applied to the principal prior to transferring the servicing to PHH. The XXXXXXXX XXXX rep had provided this explanation via phone and emailed the transaction history on XX/XX/XXXX. 


PHH mortgage services have billed me for both XXXX and XX/XX/XXXX. On XX/XX/XXXX, I had sent a descriptive email of the issue to PHH, including the documents that were provided by XXXXXXXX XXXX 


I had made many phone calls to XXXX throughout XXXX and XXXX for a response and offer to support a resolution, but I did not receive a response until XX/XX/XXXX. PHH provided their transaction history which has a transaction date of XX/XX/XXXX with their initial principal amount received of {$320000.00} from XXXX XXXX. This principal amount is the original loan amount and does not have the first payment applied. XXXXXXXX XXXX 's records indicate that they transferred the service with a principal of {$320000.00}, which does have the first payment applied. 

Both banks have provided to me their own transaction history records. However, XXXX XXXX has an effective date of XX/XX/XXXX and PHH Mortgage services appears to have an effective date of XX/XX/XXXX. 

I have provided to PHH mortgage services the XXXX transaction records. I have also provided to XXXX XXXX the PHH mortgage services transaction records and response. I have not received a resolution from either bank, despite reaching out to both banks and providing all documents that were provided to me. 

Resolving this issue should be with representatives directly between the two banks.
Consumer complaint received 2023-02-26
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. (NJ)

i have no knowledge of these accounts. i beleive the thieft accessed to my information with these databreaches leaks. please remove all those fraudulents accounts from my report.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am trying to dispute account from all 3 bureaus sent company XXXX XXXX XXXX a debt validation letter to verify debt is mines on XX/XX/2022 they sent letter back but it was not the correct information I asked for.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to express my concern and submit a complaint to EQUIFAX regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EQUIFAX will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I would like for these Inquiries to be deleted from my credit report with XXXX, Equifax and XXXX. I did not authorize these companies to run my credit. This is fraudulent.
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed this inaccurate infroation 4 times, last transunion dispute # XXXX. 

There are 2 accts on the credit report from same creditor XXXX XXXX # XXXX ( creditcard ). XXXX XXXX # XXXX ( Loan ) both accts discharged chapter XXXX bankruptcy, but the have 1 acct XXXX XXXX # XXXX ( creditcard ) as open and other XXXX XXXX # XXXX ( loan ) show closed which is correct. 

Both accts were discharged via the same chapter XXXX bankruptcy and both should show as closed, but everytime disputed transunion states it is accurante. 

XXXX and XXXX show both acct closed and dischanged chapter XXXX bankruptcy, which means transunion is not actually doing an investigation, otherwise i would like to know why other credit bureau show accurante as both acct being closed and dishcarged chapter XXXX bankruptcy, since i have disputing this 4 times, this inaccurante acct should be deleted immediately.