davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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. (CA)

XXXX XXXX XXXX XXXX : {$8000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance Owed : {$270.00} - The account status that is recently filing on my own credit record is having an impact on my option to acquire guarantee to obtain a latest loan inquiry, please have evidence that this is being recorded truthfully as per the Fair Credit Reporting Act recommendations, this can be a serious thing to mis-report. If you can't verify this data as being 100 % correct please be sure to erase the item immediately! Thank you
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (DC)

For many years, we have paid an additional {$100.00} to apply against principal of our Penfed mortgage. Starting in XXXX, our payments have been consistently misapplied to escrow ( despite clearly noting on payment slip of direction to principal ). Our monthly statements since our statement dated XX/XX/20 have been filled with errors. In specific, extra principal payments are not allocated correctly, and transaction activity show no payments, suggesting we haven't paid our mortgage. 

I have no confidence that my payments are being recorded or allocated correctly. 

I am sophisticated enough to review my statement and call to correct obvious problems. But clearly something is wrong, and I am concerned not just for my mortgage but for the mortgages of countless others who might be less financially savvy. Penfed customers should not be expected to call each month to correct payment recording errors.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I tried open account with this unprofessional bank. They close it with no response or reasonable explanation. They took from me over XXXX & and holding it You need to force them to open account as they dont have the write to discriminate me!
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fidelity Properties Inc. (OH)

XXXX XXXX  XXXX  turned me into fidelity collections for medical bills that where paid by the XXXX that I have through my insurance. XXXX has repeatedly proven to fidelity that this money was paid but wont take it off my credit report because XXXX XXXX  will not respond to Fidelity about this matter.
Consumer complaint received 2021-01-14
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. (MI)

Check my credit report today and I noticed someone use my information to inquire about some things that I never was aware of multiple times .. 

XXXX XXXX XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXTransUnion XXXX XXXX, XXXX XXXX : reporting multiple times on each TransUnion XXXX XXXX Anything reporting inaccurate with multiple dates & wrong information should be removed immediately as I learned the fai credit reporting act. 

Trying to do better in my life but how can I with all this wrong information on my report.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

ON XX/XX/2014 ACCOUNT WAS OPEN WITHOUT MY PERMISSION FROM THE XXXX  THEY CLAIM THE LIMIT OF CREDIT CARD WAS ISSUED {$10000.00} HOWEVER THEY CLAIM ON MY RECORD {$39000.00} I NEVER EVEN KNEW THIS WAS EXIST THIS CARD WAS OPEN FRAUD AND I DON'T EVEN UNDERSTAND HOW {$10000.00} CARD WITH BALANCE OF {$39000.00} I HAVE CONTACTED CHASE MANY TIMES AND INFORM THEM THIS IS FRAUD
Consumer complaint received 2023-06-29
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. (NC)

I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped 20+ plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )
Consumer complaint received 2023-06-29
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. (CA)

My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX XXXXfor 5 years this has always been my residence. 
I have never had an account with XXXX XXXX XXXX {$2100.00} I have never had an account with XXXX XXXX XXXX  {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE
Consumer complaint received 2021-01-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I can't dispute inquiries made on my credit report without my consent below are two inquiries that appeared on my credit report that tried to dispute with transunion. i did not make this inquires and transunion refuse to help. Can dispute this Inquiries by phone or online. 

Inquires in questioned XXXX/XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Levy & Associates, LLC (VA)

On XX/XX/XXXX I received notice from Levy Law Firm Co. , LPA ( debt collector for XXXX XXXX ) that I owe a balance of {$7800.00} from XXXX XXXX which significantly affected my credit file including my credit score and credit report as a charge off. Due to this fraudulent, inaccurate, and unverified debt, my credit score went from XXXX to now XXXX. I requested debt validation on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Levy Law Firm Co. , LPA but was never provided the proof that I owe the debt ; yet they continued to report unverified information to all three ( 3 ) credit bureaus. I recently received a letter from Levy Law Firm Co. , LPA on XX/XX/XXXX with a Warrant in Debt stating that they are taking me to General District Court if I do not pay the balance five  days prior to the courts return date. This is a clear violation of FDCPA ( 809 b ) as they have never provided me with debt validation that was requested 30 days of the collector 's written notice. See Exhibit A for the three ( 3 ) letters sent out to Levy Law Firm Co. , LPA along with their recent letter sent to me on XX/XX/XXXX. 

It is now XX/XX/XXXX, and as of today according to my most recent XXXX credit report, this debt balance of {$7800.00} still appears as a charge-off even without proper validation and recent threats to take me to civil court. 

You will find attached my Notice of Rescission authenticated and sealed by the Secretary of the Commonwealth along with my Hold Harmless agreement also authenticated and sealed by the Secretary of the Commonwealth.- Exhibit B Levy Law Firm Co. , LPA has failed to provide me a copy of ANY original documentation signed by me and is refusing to have this removed from my credit report. This account currently remains as a charge off on my credit file.
Consumer complaint received 2023-01-13
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. (OR)

I sent a dispute to get a creditor to update payment history. Which they did and all credit bureaus showed status update All 100 % on time and Ballance decrease. All but one credit bureaus showed a point increase. Equifax dropped my score XXXX point for no reason instead of increase
Consumer complaint received 2023-02-04
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, 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. 

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed.

1XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

2- Business & Dates Requested : XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX, NC XXXX XXXX ( XXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX XXXX : {$11000.00} High Balance : {$20000.00} Balance {$0.00}
Consumer complaint received 2022-04-19
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. (AL)

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 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. has violated my rights. 

15 U.S.C. 1681 Section 602A. 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 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Larsen & Associates, P.L. (FL)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account # XXXX with XXXX XXXX, XXXX Matter Account ID # XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX are attempting to collect an alleged debt on the basis of fraud. Demanding payments for alleged debt for XXXX XXXX XXXX XXXX, XXXX that has been paid in Full. The collection of any alleged debt after being PAID IN FULL would be a case of unjust enrichment, and fraud on the homeowners and consumer. All payments are up to date with the XXXX XXXX XXXX XXXX and a recent deposited check attached. I am not responsible for any payments for this XXXX ID # XXXX. I have no business with XXXX XXXX, XXXX and its successors. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX are " third-party debt collector ''. I do not have a contract with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX or owe a debt to XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX is attempting to collect a debt on the basis of fraud. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX has recorded false, derogatory, defamatory and slandering information about me to the XXXX County court and public records which has resulted in my being damage, such action cause by way of denial of credit on my Property at XXXX XXXX ct XXXX FL XXXX due to the inaccurate and negative information! XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX decided to ignore my demands for Validation and remove the FRAUDULENT Notice of lien on my property immediately. Over the past several months, I have tried to resolve this issue on XX/XX/2017 and etc by Demand to Cease and Desist ALL Collections Activities but to no avail, refusal. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX decided to ignore my demands for Validation. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties. Failure to substantiate the claim, remove lien immediately. I will further pursue all of my legal remedy without further notice to companies. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Relief from Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering.
Consumer complaint received 2021-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (FL)

An unauthorized payment was sent on my PayPal account to somebody I do not know using my PayPal line of credit, and they are telling me due to my past transaction history that the payment wasn't unauthorized. This is the second time I've had an issue with PayPal with someone scamming or fraud and both times they were unable to help me get my money back at all. The date this took place was XX/XX/2021 in the amount of {$460.00} charged to my PayPal credit card, the company took close to no action.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

XXXX  XXXX & XXXX contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc. (TX)

I sent an affidavit requesting a purchase agreement from XXXX communications validating the debt held by XXXX XXXX. It was delivered XXXX and its been well over the 30/45 days threshold to be verified. It was for {$580.00}.
Consumer complaint received 2021-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have submitted my dispute letters over 30 days ago the company has failed to respond. I did not give consent for these inaccurate items to be placed on my credit report. 15 USC 1681 A-K i have submitted my ftc report and company has failed to knowledge it this violation of action of section 605 b FCRA. I have attached my SSC & ID.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

On XXXX XX/XX/2021 I called to inquire about a debt in collections for a hospital community medical center. I had previously spoke with the hospital who reported that the debt had been paid by insurance and the bill was sent to collections by mistake. I informed the operator ( XXXX XXXX ) about the mistake by the hospital. He reported that he understood. He then informed me that although it was my insurance he could only speak about the debt with my wife ( the individual on the bill ). This makes sense. I handed the phone to my wife and left the room. She provided her details to confirm her identify and then he attempted to have HER PAY THE BILL! He knowingly attempted to mislead my wife in to paying a debt he knew she did not owe. The action of attempting to collect this debt without informing my wife of her right to dispute the debt in this situation is illegal. I expect to hear back from the business and hope that their actions are investigated by the proper authorities so they can no longer attempt to defraud people.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

OneMain Financial Services kept calling my place of employment because I was behind on the loan I had with them. They were told once by a co-worker I 'm not allowed to have these types of calls, they persisted. They where then told by my HR manager to stop calling here for me, they persisted. They were told once by myself to stop calling, they persisted. They were then told two separate times by my compliance manager to stop calling and they persisted. They have put my job at risk and now have filed a lawsuit against me and are taking me to small claims court. I need help with this situation. Please advise me on what I should do
Consumer complaint received 2021-01-15
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. (FL)

While looking over my credit, I realized that there are some accounts that are incorrect. These derogatory accounts were not approved by me and are not mine. There is not anyone other than myself who has access to my credit report so I do not know how something like this could have occurred. Please investigate this issue and have these false accounts deleted from me credit file. I am unable to acquire new credit now because of them.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX  showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by XXXX. CFPB please ensure XXXX XXXX XXXX card follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX I noticed a Bankruptcy docket # XXXX that showed up on my credit that I was not aware of. Imediately, knowing it was not mine, disputed the account with equifax. I even called the court it was listed with and they did not have record of me. They also stated Equifax never notified them about me. It is obvious when looking at my credit file not one account has been listed under a bankruptcy. Please delete this public record.
Consumer complaint received 2021-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX , EQUIFAX , XXXX ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!
Consumer complaint received 2021-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

wondering why I have not received any settlement from XXXX as I was a student that enrolled during the time period that was greatly deceived as far as finding a better job and helping me make more money. I am currently paying the loan and it seems I did not get any type of refund for this.