davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}
Consumer complaint received 2020-04-01
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. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXXXXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}
Consumer complaint received 2020-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NC)

I received an email from American Express Bluebird stating that I had violated some rule in their terms and conditions. I had or still have {$41.00} on the account and have no way of collecting it off of there. I still receive monthly statements telling me I have {$41.00} on there. There's no phone number to call and talk to a real person.
Consumer complaint received 2020-03-23
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. (NV)

On XX/XX/XXXX I sent Experian a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to experian and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Experian has not verified the bankruptcies because there is a FREEZE on XXXX XXXX file. I do have receipt of that too. I have attached documents that I sent to experian. Experian has informed me prior that they have not ever gotten any documents from CFPB. I hope these documents are forwarded to Experian.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

The Credit Bureaus and LexisNexis are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased
Consumer complaint received 2020-03-22
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. (FL)

TransUnion ( File # XXXX ) I received Investigation Results from TransUnion dated XX/XX/2020 in response to a Public Record Dispute I submitted in XX/XX/2020. TransUnions results list the Public Record as VERIFIED AS ACCURATE, which I know to be false and unsubstantiated. I have a letter from the US Bankruptcy Court NJ confirming they do NOT provide verification to any entities ( attached ). Furthermore, I also disputed the Public Record with XXXX with the evidence/supporting documentation I received from the Bankruptcy Court and XXXX has since DELETED the Public Record from my data report ( letter attached ). TransUnion, XXXX, and other consumer reporting agencies look to XXXX for verification and, despite this, TransUnion insists this item was verified. And, this is not the first time Ive disputed this particular issue. 
XXXX XXXX ( Confirmation # XXXX ) I  received Investigation Results from XXXX  dated XX/XX/2020. XXXX  mentions on their Web site that Public Records are verified by a third-party vendor, XXXX. XXXX has DELETED the Public Record from my consumer data report ( letter attached ). I submitted this proof to XXXX  and asked that they do the sameDELETE the Public Record from my Consumer Report.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

ive called capital one multiple times within the past 3 years trying to get an account that was opened in my name using a different phone number and address that ive never lived at the account was opened XX/XX/2020 and it was a {$500.00} credit card that was charged over {$1100.00}. This account has prohibited me from increasing my current credit limit, purchasing a car and a hole number of other things a XXXX XXXX XXXX trying to live would need. capital one asks for the address and number of the account everytime i call and every time they say the address doesnt match the one ive lived at and neither does the number but they proceed to say im linked to the account somehow but wont tell me other than the fact they wont close the account
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (FL)

I am reaching back out as I have been unsuccessful with reaching the company. I have have called the number listed on my credit report and have been repeatedly told they do not have an account for me. My daughter 's attorney was able to send me a print out of her bill from XXXX XXXX XXXX XXXX and I am awaiting my print out from my attorney from my accident. I am not sure which ride this case is referencing but I am very upset and confused as to how I am being billed for a service that has previously been included in my accident as well as my two insurance companies. Also, the phone number needs to be corrected on my credit report so I can properly reach out. 

Previous Complaint I received notification that I am being changed for an ambulance ride while in an accident. I have reached out to the original creditor XXXX XXXX XXXX XXXX department as this balance is an error. I have not received any update to my request. I then received notice from Security Collection Agency ( SCA ) advising I owe for this debt. At the time of the accident, my family and I was ensured with XXXX  XXXX XXXX XXXX and State of Florida XXXX as secondary. However, due to this being an accident the charges were included in the accident settlement. I am asking that XXXX & SCA delete this account immediately from my credit report and their records as I am not liable for this debt. I am also following up with my attorney who represented me during this accident to see my next legal course of action.
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX I received a text from XXXX XXXX XXXX XXXX  that stated they are a XXXX XXXX XXXX XXXX XXXX XXXX, they furnished a link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the number and the guy I spoke to told me that it was collection for XXXX of which is an internet provider that I have never used. The person said it was for XX/XX/XXXX. I could not understand him so I really do not know what ALL he said. I then found information on the company that this could be a SCAM. 


The Account number that was attached to this is XXXX XXXX XXXX 

Just Note, I get Free Internet at my Home as the Communication Tower is located on my Property.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (AK)

During the week I received notice of an account that was put on my XXXX  report without notifying me. I did not have a account with this debt collector nor has this company verified any information I have not heard of this company before and I am very upset that this account was just allowed onto my credit report there was no verification of this account or contract between me and them I was not even aware of charges that were due I have no information other than what I have just discovered on my credit report.
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I reviewed my consumer report and noticed that Equifax unlawfully reported an unauthorized account ( XXXX XXXX XXXX XXXX # XXXX ) on my consumer report. I did not give written permission to Equifax to put anything on my credit profile. They had no permissible purpose by law to contact third parties with my private or personal information. I informed Equifax that their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Because they have knowingly transferred, possessed, or used, without lawful authority, a means of identifying me. I asked for them to update my consumer report and send me copy in which they never did. I waited well over 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

Equifax is not only holding me back from raising my credit score but reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. XXXX inaccurate reporting have damaged my livelihood.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX and XXXX, 2018, I spoke with four separate Customer Service Reps at via telephone. One of my cards had been hacked and was going to be closed as a result. I have had several problems of the same nature and decided to not acquire a card to replace this one. I  am still in possession of a second card. The problem : I had 381 plus thousand reward points that are worth roughly {$380.00}. I wanted to transfer those reward points to my second card. Although I spoke with four reps, none was able to give me an answer and the points remain in the closed account. It is now showing a positive balance of $ XXXX. I paid off the balance of the account and closed it, as all outstanding balances were satisfied. The reps seemed unable to understand me, and I them. None was a native XXXX speaker, as I am. I asked them to repeat information again and again, but I was unable to receive an answer. They seem to be reading from a script. I was transferred to the wrong dept. when I asked for reward program assistance. When I finally spoke with a supervisor, I was told that I wasn't speaking with rewards program. Two of the calls had group laughter in the background so I'm wondering where the calls were originating from. I've been a customer for 19 years and have a excellent record with them. I asked for a check for the remaining $ XXXX dollars that I was able to use. I have heard nothing regarding this transaction ; however, it may be in process. I would rather have had the reward points, but felt I needed to salvage what I could. Thank you.
Consumer complaint received 2022-10-10
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. (NC)

Transunion keep reporting false, deceptive misleading, incorrect information on my credit report. They allow XXXX XXXX to report incorrect information on my credit report. This is unfair deceptive practices. I have kids and I can't get a home because of these errors on my report I have provided proof. I have provided that I have paid this account they refuse to remove this incorrect account that is reporting falsely on my report. They have taken more than 30 days to investigate and they still have not validated anything about this account. You can not be 60 days late then 30 days late then positive, then negative. then 120 days late one day then charge the account off to another thirdparty without my permission. I paid them and they are still reporting me late
Consumer complaint received 2020-03-22
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: ECMC GROUP, INC. (VA)

I sent a dispute letter to XXXX regarding 8 accounts totaling {$48000.00} reported by ECMC of dates of these account opening on XX/XX/XXXX. I informed them that I had no knowledge of opening these accounts on or around that time. XXXX  responded back with a copy of my credit report indicating when these accounts will be removed on XX/XX/XXXX however they did not fully investigate that these accounts are associated with old accounts from XXXX and ECMC re-aged the accounts to XX/XX/XXXX as well as XXXX XXXX, XXXX XXXX, and XXXX  re-aged the same debts during the transfer from one office to another.
Consumer complaint received 2020-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (IL)

I received a letter ( post card actually ) from Credit Management L.P. at XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Phone number XXXX. Reference # XXXX. They claim I owe {$850.00} to XXXX Internet Cable and Phone. 
I have never had an account with XXXX, nor is XXXX even available in my area.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have applied to my my current mortgage services for a modification under their guidelines which I believe is the Hope program. They have been reviewing my file for almost one year and have not been able to render a decision. I speak to them almost weekly and have hundreds of mailed documents asking for information and I supply the requested documents only to get asked for more documents or more updated documents.

I feel that because I have not missed any payments yet that there is no reason for an investor to take my loan. As a result, I feel like I am being denied a loan modification.

The loan was originally a 7/23 interest only ARM. It was interest only for the first 7 years then it adjusted to a 23 year amortization loan which changed my payment from about {$2100.00} per month to now {$4800.00} per month. It gets worse every year because the number of years it is amortized goes down by one year so I am now at about a 19 year amortization.
Consumer complaint received 2020-03-22
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. (CA)

its been 60 days now with no response from the bureaus which is just complete disregard for the law by not responding my consumer disputes. I hope that this will be the last time they completely ignore and disregard my requests.
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (GA)

My problems originated in late XXXX - early XXXX. I was struggling financially and had defaulted on a credit card with XXXX XXXX XXXX. I was served papers on XX/XX/XXXX from Superior Court of XXXX County Georgia ( Civil Action File # XXXX ) informing me of the Civil Action filed against me by the now defunct XXXX XXXX XXXX XXXX XXXX, XXXX. of XXXX, Georgia XXXX. 
I settled this issue in person at the offices of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/XXXX for the sum of approximately {$5000.00}. While in the office, I was informed of another Civil Action they would soon be filing to collect approximately {$800.00}. I returned to their office on XX/XX/XXXX and settled this debt. 
On XX/XX/XXXX, I again received a notice of attempt to collect the above listed debts from the Office of XXXX XXXX XXXX at the same address listed above. I contacted their office by phone and explained these debts were paid in full. Sent them copies of the settlement letters I received from them on XX/XX/XXXX & XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I again received a notice of attempt to collect from the office of XXXX XXXX. I called the office and advised them the debt was settled and reminded them of the email sent on or around XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I received a notice of attempt to collect. However, this time, it was sent from the Office of Cooling & Winter XXXX XXXX XXXX, XXXX, Georgia XXXX. Mr. XXXX  & Mr. XXXX  are Mr. XXXX XXXX XXXX and Mr. XXXX XXXX. XXXX. They are both listed as Defendants along with Mr. XXXX XXXX XXXX in Civil Action Case # XXXX filed in the U.S. Court for the Northern District of Georgia , XXXX Division dated XXXX. Also working at Cooling & Waters are ; Mr. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All who are former employees of XXXX XXXX XXXX XXXX XXXX at the time of the above Civil Action. I called their office and asked for Mr. XXXX or Mr. XXXX to personally return my call. To date I have not heard back. 
On XX/XX/XXXX, I have again received a notice of a judgement against me. They are Knowingly attempting to collect a debt that was settled 12+ years ago with threats of a property lien or garnished wages. 
This matter has gotten very aggravating and needs to end.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

Mortgage was origionated by XXXX and subsequently sold to Flagstar in XXXX ( i beleive ). 

XX/XX/XXXX was informed that I did not have SUFFICIENT insurance coverage. After proving coverage no further communicaiton was recevied. 

XX/XX/XXXX I was told that they had " sent notification that the amount of coverage provided by my current flood policy was less than they required '' they hadn't told me that since XXXX of XXXX in the info above. 

On XXXX XXXX was billed {$13.00} for insurance. 

Again informed that I had INADEQUET coverage I called AGAIN. Its difficult to get a real live person at Flagstar. Finally connected with an insurance representative who is a contract employee for multiple banks and said that I had an issue with a LAPSE not INADEQUET coverage like the letters stated. XXXX confirmed with someone at Flagstar but when I asked for a name for my records they would not provide that. The agent acknowledge that My insurance company XXXX usually does not have issues. I have been with XXXX for 36 years. 

I want to make sure that we don't keep having this issue with Flagstar. They did not convey the confidence to me that they knew what the problem was and that they could correct the issue. I am contacting on my behalf as well as those who may also be affected by their incompetence.
Consumer complaint received 2020-03-22
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. (IL)

I sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my report