davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I received a notification on my credit report that a debt collector reported me for non payment of a medical account. Upon further investigation I discovered that an former partner of mine falsely signed my name and used my information as his primary guarantor during a hospital visit for himself. I had no prior knowledge of this expense, I did not agree to pay this debt, nor had I had any knowledge of this hospital stay.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MS)

Credit management reported a debt to credit report for a debt that is not mine. 
The company is ( XXXX ) for {$100.00} The account number is XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
XXXX, Illinois I dont have a middle initial and I have never lived in XXXX XXXX Illinois XXXX The account information says this was during the year 2021 I have lived at my address in Mississippi for the past 14 years. This is not my account.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, this is closed complaint XXXX and here i gon na attached after Transunion confirmed there is inquiry currently show on their system i'm gon na attached report downloaded from Transunion, XXXX XXXX, Transunion Lock
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2022-05-25
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)

XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, Transunion, XXXX These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( error paid ) XXXXXXXX XXXX ( Fraudulent ) XXXXXXXX XXXX XXXX ( Fraudulent ) XXXX XXXX ( Fraudulent ) XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX ( Fraudulent XXXX XXXX & XXXX ( Fraudulent ) XXXX XXXX XXXX Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent )
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NV)

Southwest Credit Systems has placed an alleged debt account on my credit report without providing me with proper written communication first, giving me the opportunity to dispute the account. This company never even checked to verify if this alleged account was my own. I woke up this morning to see my credit score decreased by XXXX points for an account that I do not recognize. The original creditor XXXX was notified that the account was fraudulent due to ID theft and was permanently removed from my credit report last year. This account needs to be deleted immediately.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (LA)

XX/XX/2020- XX/XX/2020 I had XXXX worked as a XXXX XXXX XXXX for over 20 years. the company sent paper to go to court. during this time covid was bad. I sent a letter to company and court explaining why I could come to court due to having XXXX and being exposted. they didn't reset a court day to give me a chance to dispute the case. They took an advantage of bad timing.
Consumer complaint received 2023-01-08
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)

Someone used my information for their personal gain. 
In accordance with FCRA section 611 this company violated my consumer 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
Consumer complaint received 2023-03-10
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. (OR)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/2019, I wrote to XXXX, XXXX, and XXXX in regards to a fraud account which is reported on my credit report in the amount of {$3700.00}. I submitted enough information to show that this account was not valid, however, my status remained as is. On XX/XX/2019 I wrote to GM Financial in regards to the fraud account that was placed on my credit report. On XX/XX/2019, GM Finacial responded to my complaint stating that they would investigate the alleged fraud. I submitted the following documentation, police report, ID Theft Affidavit, and legible signatures. On XX/XX/2019 I received a letter from GM Financial without any regards to investigating the claim. However, as a result, GM Financial claimed that the request was based upon a misrepresentation of facts relevant to the request and that GM Financial will not be able to remove the account from my credit report. I now request that CFPB to investigate this account and I would like for you to to take action to protect my credit rating.
Consumer complaint received 2019-06-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

In XX/XX/XXXX, we sent credit investigation requests to XXXX and Experian. We have yet to receive the results of those investigations and it has been longer than 30 days.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My mortgage was originally with XXXX and just last week changed to Shellpoint. I was under the covid forbearance plan with XXXX, I was promised the ability to defer the missed payment amounts until the end of the loan term, up until now that amount is over 100K, this was suppose to be deferred to the end of the loan once my forbearance ended in 18 months. However, now Shellpoint has taken over servicing my loan as of XX/XX/22, and they are claiming I owe the full XXXX and they claim they have received no covid forbearance agreement from XXXX. I believe this is a requirement by law to receieve all the paperwork in servicing transfer. I can not pay XXXX and nor do I want to be penalized and refinance with a higher interest rate. I am asking for them to honor my initial verbal agreement with XXXX that I would have an option to backload the due amount. This is urgent, as Shellpoint is threatening me with late payment fees and credit reporting of late payments, even though I should still be on covid forbearance.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why the discharged account that have been " charged off as bad debt '' meaning canceled or forgiven on behalf of the creditor is still reporting to my credit report.

Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2016-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (NY)

Only received an 2015 IRS Form XXXX from Pinnacle Credit Services , LLC for XXXX for {$670.00}, ( Line XXXX ) date of debt discharged XXXX/XXXX/2015. This is the first and only correspondence. 
The XXXX was addressed to " XXXX ''.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Block, Inc. (TX)

I am submitting a complaint in regard to XXXX different transactions : XXXX - {$5000.00} on XX/XX/2023, XXXX - {$5000.00} on XX/XX/2023, and XXXX - {$3900.00} on XX/XX/2023. I was defrauded by a XXXX who agreed to do construction work on our property. I sent the payments as requested by the XXXX who has since disappeared and blocked my phone number. I have tried reaching out several times through various means such as email, phone, text message, social media, and showing up to his listed address. I recently discovered that the XXXX has an extensive criminal history and may have done the same thing to other customers. 

I have attempted to submit a dispute for these transactions with Cash App as I didn't receive the services I paid for from this merchant, and have been defrauded. I haven't received any response from Cash App since last week and I keep having my conversation ended by the agents I am speaking to. I have worked very hard to save money to have this project completed and Cash App is allowing it to be stolen from me, and is being very disrespectful during this difficult time. I have offered to provide documentation and I have had phone calls and chat conversations ended abruptly. The company should be embarrassed that they are facilitating fraud at this magnitude. I would like to have the money removed from the XXXX 's account and be reimbursed.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

Complaint is with Chase, mortgage # XXXX In XX/XX/XXXX Chase acquired my mortgage from Washington Mutual XX/XX/XXXXwith a balance of {$370000.00}. 
Payments were made regularly ( admit there were some late payments arriving just after the 15th of the month ), until a modification was done in XX/XX/XXXX. The modification balance was {$410000.00} with a balloon payment due in XX/XX/XXXX of {$88000.00}, which raises the total amount to {$500000.00} from an original balance of {$370000.00}. From XX/XX/XXXX to XX/XX/XXXX Chase was paid {$92000.00}, with no reduction in principal, and no equity left in the property. 

My question is how did the note of {$370000.00} in XXXX get to {$410000.00} in XXXX a {$40000.00} increase in the principal amount when payments were made each month, and still have no equity in the property plus an increase in the balance owed. Since XXXX all payments have been on time, with a current principal balance of {$360000.00}. How is it possible for an original note of {$370000.00} to be reduced by only {$11000.00} over a period of thirteen years. What happened to the {$200000.00} paid to Chase. 
since XXXX?? 


Current balance of principal is {$360000.00}.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently checked my credit report, and noticed some fraudulent accounts on them. I also sent a letter on XX/XX/year> to the credit bureaus demanding that they delete them. I'm filling this complaint along with the letters still on their way because I am in urgent need of my credit report being updated as soon as possible.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (CA)

We bought our property in XX/XX/XXXX and it was under my husbands name and my brother 's name. And within few months of purchase we transferred the property under a trust. And last year we have applied for loan modification in XXXX. And we have submitted proof like copy of recorded deed showing that the property is under a trust and copy of living trust to Midland Mortgage. But our mortgage company keeps adding my brother on the loan modification document who is no more the property owner and they want his signature on the document, which is not possible, because he is not on the deed. Midland mortgage is unable to resolve the issue for over a year now and now the interest rates have went so high that it has increased our monthly mortgage big time.

All we want is the mortgage company to put the trust name or the trustees name ( my husband ) on the loan modification document but they are unable to do so, as a result its under review for almost a year now and now they want us to sign the documents with wrong names and pay higher interest rate. 
i have submitted all the documents and proof on time but nothing happened. all i want is the mortgage company to offer me the same interest rate that it did earlier when i applied for loan modification. i don't understand how is it our fault if the mortgage company is unable to resolve the issue for almost a year now with all the documents and proof showing the property is under a trust. So why should i pay higher interest. 
And if this gets delayed for another 6 months and interest rates keep going higher then i guess my payments will be way higher than it was before Covid. 
please help to resolve this issue.
Consumer complaint received 2017-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc. (NV)

On XXXX/XXXX/XXXX I received a deposit into my Skrill account. I was unable to withdraw the funds because they stated that my account needs to be verified. I followed the instructions by hitting verify and I was told that Skrill would deposit micro amounts in my account for verification. 

This happened a day after, however, there was nowhere on the site to enter these amounts. I contact Skrill by phone and was told that they are aware there is nowhere on the site to enter these amounts, so I would need to send a copy of my bank statement. I forwarded a copy of my email while still on the phone with the rep. who confirmed that it was received, and it would be looked at on XXXX XXXX/XXXX/XXXX. I called back on XXXX and was told they are still in the process of verifying my account. I had multiple conversations with different reps until one finally said that they would do a manual transfer for me while I await verification. This manual transfer happened on XXXX/XXXX/XXXX. Another transfer came in on XXXX/XXXX/XXXX. An amount earmarked for my mortgage, at this time my account has still not been verified and I am still unable to withdraw my funds. 

The phone calls to Skrill begin again with each rep telling me something different. I just got off the phone with a rep today XXXX/XXXX/XXXX who told me that a manual transfer will not be done for me this time, like a previous rep told me because I received one before. As usual they will contact me when they have a status update on my account. They keep telling me this, but no XXXX contacts me from XXXX. So here I am stuck, no verification, no money, no contact from Skrill. On their XXXX page they state that this process takes 24-48 hours. But here I am 8 days later still nothing.
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had the same checking account with Bank of America since 1995. In XXXX of this year they started charging me a $ 12 monthly maintenance fee. I just spoke to them and they said I am now required to have either 1 ) a daily balance of {$1500.00} or 2 ) a direct deposit into the account each month to avoid the {$12.00} fee. I explained that I am not able to keep {$1500.00} in the account at all times and that my employer will not do direct deposit. They write me a check every month. 

I never received anything in writing from Bank of America about this new fee. They tried to tell me that the fee has been in place since I opened the account. However, in over 20 years, I have never been assessed the fee before. Please let me know if there is anything that can be done.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THOSE FRAUD inquiries shall delete from my credit report. 
XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX FCU INQUIRY DATE : XX/XX/year>XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/year>XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX DATE : XX/XX/year> XXXX FCU INQUIRY XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/year> DELETE XXXX FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.
Consumer complaint received 2018-09-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX