davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ;
Consumer complaint received 2023-02-09
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: ROBINHOOD MARKETS INC. (NC)

My SIM card was hacked XXXX. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my Robinhood account, XXXX account, After pay account, XXXX  account, XXXX XXXX account, XXXX XXXX account and credit card, XXXX  credit card. Its still going because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also use my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. I been with XXXX for almost 9 years, I want to move to a different carrier/port my number asap ( XXXXXXXX  needs to pay my phone off because this was not my fault at all ) and to be compensated for the damages and pain and suffering. Im trying to buy a home and this is effecting me tremendously.
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (GA)

The company is attemping to collect a debt from an XXXX XXXX  in the XXXX XXXX area ( early XXXX 2023 ) after I was seen for a XXXX XXXX. I had active insurance ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) however the company did not bill the insurance company and is attempting to collect a falsely elevated debt due to them not filing appropriately to be paid by my health insurance. I contacted the debt collector and the XXXX XXXX and the XXXX XXXX XXXX. However, neight the debt collector or XXXX XXXX XXXX are acknowledging their failure in billing my insurance and are attempting a false out of pocket expense. My health insurance was never billed for their service as it should have been. I would never recommend this XXXX XXXX services due to falsely attempting to collect money for a debt that they never sent to my health insurance for payment.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

We contacted Amerisave mortgage company to get rates We had to give them XXXX dollars upfront. They quoted a rate of 2.4 percent. The loan person didnt make it clear they would be adding XXXX dollars on top of the loan which didnt result in savings. When I read over the loan I saw the XXXX dollars. Our current mortgage company contacted us and offered a slightly higher rate but no upfront fee and payment was about the same. We decided to go with the company we were with. I contacted Amerisave within 2 days, they said the XXXX was non refundable. I filed a claim with the bbb the sales manager contacted me and said the XXXX was not refundable. I saw on this web site Amerisave had to pay XXXX XXXX for the same practice. I saw where XXXX XXXX had sued Amerisave. As a senior citizen we shouldnt have to be subject to this kind of deceit. Thanks
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates (VT)

This company has been calling me every day for over a week. They call multiple times every day. They are now calling my friends and family members. 
I have asked them to stop calling me, yet they are still calling me daily. 
They should not be calling my family and friends. 
This is from the XXXX or XXXX purchase of a pet. I paid the purchase price, and then the original company tried to create a " lease '' for the dog. 
I have had this previously removed from my credit report.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (VI)

While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (VI)

While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

In XX/XX/2023, due to an unexpected hospitalization, I was briefly late on my XXXX card payment by no more than 30 days. As soon as I was able, I promptly addressed and rectified the situation. Despite my proactive approach, and after discussing the matter with XXXX, I was initially informed by multiple representatives that they would update the payment status and report the corrected information to credit bureaus. However, I later learned that they would not take such corrective action. I have consistently maintained an on-time payment history prior to this singular incident. I kindly request that this unique situation and the conflicting information I received from XXXX be considered when reviewing my credit history.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I recently requested a proof of debt from the collection agency Credit Management who purchased debt from the original creditor of XXXX XXXX XXXX for {$41.00} and then reported the debt on all three major credit bureaus. 

I do not recognize this debt as being mine, nor do I recognize ever having any business with this company. Because of this, it was then disputed on all three credit companies. 

It was quickly deleted from XXXX and XXXX once they investigated and found the debt to be in error. Unfortunately, XXXX has been under investigation since I deputed the debt on XX/XX/2023, with no response from anyone.
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (MI)

On XX/XX/XXXX, a letter was sent from Commonwealth Financial Systems alleging that I owed a debt in the amount of {$1100.00} due to a medical bill dated XX/XX/XXXX. This was a bill that I knew to have been paid on time, roughly XXXX years ago. I sent a letter via certified mail to the company stating that I was not responsible for this debt, and that they needed to prove that I owed it and cease all other communications. 

On XX/XX/XXXX I received an itemized statement from Commonwealth Financial Systems, which again stated the current balance at {$1100.00}. At this point I called the company to state that I did not owe the money as it had already been paid years ago. The woman that I spoke to on the phone confirmed that my current balance was {$0.00} - confirming that I owed them nothing. I stated that I should receive no further contact from them, and she rudely ended the conversation. 

If I have no balance owed with this company, why have I received two letters stating that I have a current balance of {$1100.00}? Is this not false representation of my account, as well as an attempted fraud?
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, WY XXXX ; XXXX XXXX  XXXX, XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX, XXXX ; XXXX/XXXXXXXX XXXX  XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$1300.00} ; XXXX XXXX  XXXXXXXX XXXX Balance : {$5500.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXXXXXX XXXX  Balance : {$230.00}.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCM Finance LLC (TX)

The late payments in questions are associated with the following account - I request closed accounts to be removed Account name : XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. 
XXXX XXXX Dates of late payments : XX/XX/XXXX. 

Account name : CCM Finance LLC- Last Report XXXX XXXX /Change Remarks to Paid in Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports.
Consumer complaint received 2022-10-28
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. (MA)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted each corporation, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

BB & T Home Mortgage transferred the servicing of my mortgage to SunTrust, both " now Trust '', probably as part of some balance sheet shuffling to keep their books looking good. I no longer have easy access to my mortgage via an online channel where I have a bank account, and so making my payment has become complicated.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VI)

I am a XXXX XXXX XXXXXXXX XXXX veteran. Upon my return home from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, my card was being paid. I have been a cardholder of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, and again on XX/XX/XXXX two category 5 storms ( XXXX and XXXX ) devasted the XXXX and XXXX XXXX. The town I live in XXXX was devastated. The post office was totally demolished ( these are facts that can be proven. We were without any kind of communication until late XXXX. I made contact with the XXXX XXXXXXXX XXXX loan department and I was told that my card would be deferred until XX/XX/XXXX. In XX/XX/XXXX, I went online to make a payment and my account was suspended for nonpayment. I made several calls and sent several emails trying to get information as to why I could not access my account. On XX/XX/XXXX, I finally spoke to an agent by the name of XXXX XXXX she was very rude ). All she could tell me was that correspondence was sent to me ( we had no post office until XX/XX/XXXX ). I tried to explain to her that although they sent correspondence there was no way I would have received it because we did not have a post office in my town. Our supplies came through a shipping company and although my post office merged with a post office in another town it was still very chaotic. I started payroll deduction ( I worked for the Federal Government ) and I was receiving numerous calls day and night from a collection agency XXXX XXXX XXXX. The collection agency called me also at my place of work. I reported it to them to no avail. They ignored my emails and were very uncooperative. Fast forward to today, I checked my credit report and it shows my card was paid in full and still showing in collection. 
I am asking you to please help me fix this issue. I am a XXXX XXXX veteran who is trying to buy a home in XXXX because I am planning to move from the XXXX XXXX XXXX. I served this country during peace and wartime and now I am being treated like I am bothering them. Thank you for your help.
Consumer complaint received 2022-10-28
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)

This reported late credit card payment on Transunion was disputed with XXXX XXXX  and they cleared it over a year ago. 

Please fix this error or show me a letter from XXXX XXXX  stating otherwise. 

Thank you! 

XXXX XXXX