davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (VA)

I sent a letter well over 6months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act XXXX USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MA)

HI ; SOURCE RECEIVABLES MNGMN /SPRINT ; ( Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-07-12
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. (MD)

I am reporting this because i have noticed inquiries on all XXXX of my credit reports that I have not authorized or done. These inquiries do not belong to me. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2021-06-17
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I have never had a missed payment before on my XXXX XXXX   XXXX but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment  plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX  in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

My account was closed last week Thursday or they called it restricted because I made a dispute and showed proof that I didnt do the transaction and the bank ( Citibank ) just closed my account with all of my money in it mind you this is my only bank account and I have XXXX dollars to my name right now And they just closed it and Ive been to the branch multiple times and still nothing they dont want to open it or give me my remaining money at all so now Im trying anything possible to get my money out of the account
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (IL)

I'm in disagreement with the account listed below which still appears on my credit report, even after investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. ( Self ). In accordance with the fair credit reporting act, public law 91_506, title VI section 611. Please provide the names and business addresses of each individuals with whom you verified so I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

This Credit Reporting Agency are showing a XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy on my credit report they have stated that the data Furniture of information is a U.S. Bankruptcy Court in the XXXX XXXX of Texas. I have reached out to the bankruptcy court, and they have sent me a letter which I have attached, clearly stating that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate bankruptcies with other outside companies. I have challenged this information repeatedly with all the credit bureaus, and they have refused to remove the information from my report. These companies are falsely reporting this information and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in has cost me several opportunities for employment with very reputable. The display of this information also caused me to lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.
Consumer complaint received 2020-03-18
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. (CO)

I have never had a missed payment before on my XXXX XXXX   Card but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX  after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX  in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I am trying to get the PMI on my mortgage removed. Loancare is not allowing me to speak with anyone associated with the PMI department at my lender, XXXX XXXX. I want to remove a deduction on my mortgage of XXXX Mortgage XXXX ( PMI ). My home has increased in value from {$150000.00} to {$200000.00}. This is information I have gotten from local real estate agents. 

I have to pay for a new appraisal to get PMI removed. The bank will not allow me to talk to the PMI department so I can ask some questions before I invest in a new appraisel for {$350.00}. An " out of area '' appraisal will not know that locally, a home at this price is sought after and has actually risen to {$200000.00} and higher, qualifying my home to stop PMI. I am XXXX XXXX XXXX, living on social security, and the extra {$45.00} is hard on our budget. I want to know why I can not talk to PMI department at my lender. Here is my information : Loan # XXXX, Phone : XXXX
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

In XX/XX/XXXX, I signed a XXXX contract for XXXX XXXX XXXX monitoring ( which at the time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX about moving my service to a new address since I had just moved. They told me my monthly charge was going to go up and I'd have to buy new equipment. I told them I didn't want to do that and I wanted to cancel services. They said that, since I signed a contract for 36 months, that they would continue to charge me until XX/XX/XXXX. I told them I wanted my services cancelled as soon as that period ended. I also asked for a copy of my signed contract and for something in writing saying I cancelled. They told me they would email me my contract, but they never did. They also told me that my call was documented in their system. I asked for an email or something else confirming cancellation, but they continued to just say it was documented in my account. After that conversation, I continued to pay every month through XX/XX/XXXX even though I did not have any services through them. However, in XX/XX/XXXX, they tried to continue charging me. I had to dispute the charge with my bank and ask my bank to do a stop payment, since I had already asked XXXX to cancel my account and stop charging me once the contract had ended. After that, XXXX continued to try to charge me every month and added late fees as well. I was not under contract with them at this time, did not authorize them to charge me, and had already requested my account be closed in XX/XX/XXXX. They continued to attempt to charge me every month until XX/XX/XXXX, at which point they decided to finally cancel my account and then they sent it to collections. Now they are saying I owe them {$390.00}, but these are all charges accrued after my contract period ended. They were not authorized by me to continue accruing these charges yet they sent it to collections and put it on my credit report. This is fraud.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Date this happened. XX/XX/XXXX XXXX XXXX  location : Chase Bank " XXXX XXXX XXXX, XXXX XXXX, CA Term ID : XXXX Card # XXXX sequence # XXXX Claim ID I called in is : XXXX Chase ATM took cash and did not give credit to the account or proper cash return, not a proper receipt. This is a Chase Bank, and Chase ATM. Member since XXXX Deposited money from wife " cash I'm the amount of XXXX. I attempted to use the other two ATMs at the same wall and they did work so only one was working. The far right ATM so I inserted my card Chase Card entered my PIN and pushed deposit cash. I had cash in my hands the whole time. I even gave XXXX dollars to a gut standing by the atm for his dad 's funeral. The atm took my money and spit out a receipt that said please be sure to call us at XXXX XXXX on this day I filed a report and they told me two days to get a credit or a resolution. 
The next day I even went up to the bank and they told me that Chase does not own the ATM at that Chase bank an blew me off on XXXX XXXX. This morning I called Chase corporate with my claim number and now they are telling me maybe 10 more days. 

I have not received an email or text about claim updates, and it seems they are not trying to do anything to help me. 

I have not been credited, or contacted.
Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (CA)

I have been receiving telephone calls harassiing about a debt that is not mine. Now I am receiving letters. On XX/XX/XXXX, I received a collection account on my XXXX, XXXX, and XXXX Credit Bureau Reports from I.Q. Data International XXXX Inc.. I disputed the collection account and I mailed a copy of the Identity Theft to each of the above mentioned credit bureaus. XX/XX/XXXX, I received a letter I.Q. Data International , Inc requesting my ID, proof of Identity, police report, Identity Theft etc. ( see attached letter ) I give the proper documents to the credit bureaus. I believe that this is illegal for this company to place a collection on my credit reports, and to request my personal information that I give to the credit bureaus. It is illegal to place a collection account on my credit reports.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CO)

I have never had a missed payment before on my Citi Bank Card but I faced some financial hardship due to a XXXX  child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by Citi Bank after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that Citi Bank has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite Citi Bank confirming they were in the wrong. 

I have yet to hear any response from Citi Bank in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (UT)

LVNV Funding is reporting a collection on my credit file that needs to be removed. I have been disputing an account with them through the bureaus but they continue to report negatively on my credit file. I settled this account a very long time ago as I did not know about this collection. However, they continue to negatively affect me from being able to finance my home. I ask that LVNV Funding remove the collection from my file since it has been satisfied. I am aware they report to the bureaus as they deem fit because they are the furnisher. Please remove accordingly or I will continue to exercise whatever rights and remedies we have under the law to enforce this removal not excluding legal suite .
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc. (VA)

I was told that once I returned the equipment in the same condition as I got them since I had finished out my 2 year contract my account would be cleared and the bill will be at {$0.00}. I returned all the equipment, then my account was sent to the XXXX/XXXX  collection department for the amount of {$910.00}. I can not be billed for the time that I was not using your services. I called to dispute and I called and called and called and the number provided you will wait for a long period of time and then it would hang up. I called customer service and was given another number and you would waits hours and no one would pick up. I advised customer service and a note should have been added but no one returned my call. Instead of contacting me to resolve the discrepancy your company does not call or send me a letter to my address to discuss the issue at hand. They then sold the account/debt to a collection agencies. Who harass me from XXXX XXXX  - sometimes XXXX XXXX  even on weekends for a debt that I am not liable for. I would really hope we can resolve this matter ASAP. 
I have spoken to an attorney to help me dispute the debt on my credit report since it is affecting me. A few of my credit cards lowered my credit limit and one closed my account even though I have perfect credit history and I paid the balance off.
Consumer complaint received 2020-03-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (SC)

DEBT RECOVERY SOLUTION/ XXXX XXXX LOANS REPORTING A NEGATIVE ENTREE ON MY CREDIT file. I NEVER HAD AN ACCOUNT WITH THIS COMPANY OR HAVE I EVER APPLIED FOR A LOAN WITH THEM. I have been a victim of identity theft in the past, and many accounts were established without my consent. I have filed a police report in the past about the identity theft.
Consumer complaint received 2021-06-17
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. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 and XX/XX/2021. 

Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! 

I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. 

The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.