davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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: LEXISNEXIS (TX)

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SAMC Honebee TRS, LLC (AR)

Dear Team - GMFS , LLC loan processing company has big issues with their IT systems. I had a mortgage payment set up via auto-draft. Please see the attached doc where payments were deducted on the XXXX of each month within 15 days of the grace period. I have never been late on the mortgage payment and they have reported it 30 days late for XXXX, XXXX, XXXX, and XXXX while it was not late. 
In XXXX, money was in the account and their system had issues and only deducted half payment and I immediately called and paid the remaining which they deducted in XXXX. 
I do not trust their system so I have removed the auto-draft and manually paying it. I am having XXXX XXXX due to this during this difficult time when you need a good score. My score has dropped with their inaccurate reporting. I spoke to them and they said they will review but have not responded yet.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITY NATIONAL BANK (PA)

I requested to close my City National Bank Crystal Visa credit card in mid-XXXX by phone. I followed up by email. Yet the card is still open and will be subject to a high annual fee when the next cardmember anniversary arrives.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

XX/XX/2020 - I received notification that my credit report had been pulled and someone tried to apply for an XXXX loan in my name. 
XX/XX/2020 - I tried to call Equifax and their automated system requested I verify information which was not on my credit report. The system indicated it could not verify my identify. I was told I had to send in photocopies of my drivers license and social security, which I did. These were mailed on XX/XX/2020. 
XX/XX/2020 - I called and spoke to a representative. The representative was going to place a freeze on my credit report, but I needed it to not be frozen right away, so I asked what I needed to do to get a freeze in the future. They said to call back and request it. They also said I could not use the XXXX web site as it was locked out permanently. 
XX/XX/2020 - I called back today and the automated site locked me out and I was told, again, to send in documents. I told XXXX, XXXX, that I had already sent in the documents and she said she could not place a freeze on my report. I asked if she had record that I called in the previous Friday and was verified by an agent. XXXX would not verify this info. 

The automated system at Equifax asks me questions and gives answers for those questions for loans and credit which is not on my credit report. I received a copy of my credit report in the mail from Equifax and the questions about accounts asked do not match any accounts on my credit report. 

I call, Equifax asks questions to verify my identity which can not be answered ( answering " None of the above '' does not work, either ) and they lock my account until I send in documentation. I send in documentation and they allow me to call in again but I again get locked out by the automated system and am requested to send in documentation. 

This is resulting in my credit report not being frozen when I have a documented fraudulent application filed in my name with the XXXX XXXX XXXX. It appears the person applying has details from my credit report meaning it was likely obtained from Equifax, since they are the only credit reporting agency whcih had a data breach.
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (KY)

Received collection notice today from a company named credit collection services collecting for XXXX XXXX  and XXXX  for the amount of {$250.00}. First of all I dispute the debt and the amount of the debt also I just recieved the final notice on or about XX/XX/2020 ( see attached ) saying that I owed this alleged amount. My dispute is I dont think amount is correct i have received several different amounts owed from this company. Also it has not even been 30 days since the final notice and XXXX has not only already sent me to collections they have not honored the XXXX shelter in place promise due to XXXX epidemic which was supposed to be extended till the end of XXXX from XXXX which included policy protections such as special payment plans and delayed payments with no penalties which were not extended to me
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX XXXX XXXX showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called TransUnion they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to TransUnion and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with TransUnion which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was for
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (IN)

I have tried multiple time to activate my checking account with the XXXX  app and PNC 's checking account ( virtual wallet ). I always get the same privacy statement saying PNC does not trust outside apps or money apps. I called and talked with several representatives who stated it was always on the XXXX  end and that PNC did not stop their customers from using money saving or virtual money apps. I am tired of being told one thing by each company. I feel that PNC should let its customers use their money through whatever means they wish.
Consumer complaint received 2022-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. 

XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Consumer complaint received 2020-06-15
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: DISCOVER BANK (CA)

On XX/XX/2020, I bought an instrument cluster for my XXXX. The XXXX garage tried to install it, but it is defective, forcing me to pay a repair bill of {$300.00}. 
During the process, I tried to contact XXXX and the seller directly. I was unable to reach EBay ( COVID-19 rollback of personnel ), emailed the seller with no response at all. 
My dispute was denied because I did not have the statement from the garage, now I do. 
I am also including the bill.
Consumer complaint received 2015-05-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SCV Inc. (OK)

Back in XXXX of 2014 I started to receive threatening phone calls demanding payment of this debt or that legal action would be taken against me. There were XXXX companies representing XXXX separate payday loan groups. The first was XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX. On XXXX XXXX 2014 I paid a total amount XXXX from my XXXX XXXX XXXX account. I have an email with an attached document stating that the debt has been settled/paid in full. The XXXX group was XXXX XXXX XXXX XXXX who claimed to be representing XXXX XXXX XXXX which I paid XXXX on XXXX XXXX 2014. I have also received a paid in full document from this company as well stating that the debt has been resolved. This may I received a call from Tier1 Asset Management Group LLC who miss represented who and what the were collecting. At first I was told that they were collecting a debt for XXXX in the amount of XXXX. When I called and spoke to a supervisor by the name of XXXX XXXX who admitted that they had made some mistakes on their end and disclosed that what they were collecting was for XXXX payday loans in the amount of XXXX each. XXXX loan was for the XXXX group and the other loan is for the XXXX XXXX. Which have both been previously paid. I had previously set up payment arrangements with Tier1 under the understanding I was paying off my debt with XXXX in the amount of XXXX.
Consumer complaint received 2023-05-27
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. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly.

15 U.SC. 1681 section 602 A. States i have the right privacy.

15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2020-06-15
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. (NJ)

My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to help.
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

This creditor has continued to harass me over and over again I have explain to them that this is not my debit my identity was use fraudulent by someone else not me the debit is by CCS the original creditor is XXXX which I have never gone there or went to get any work done by that company I have a credit freeze I am a victim of identity theft my police report is on file with all three credit company and they still want remove this off my credit this account number is XXXX the date is XX/XX/XXXX date reported the date assigned was XX/XX/XXXX collection account. Account # XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : CCS Collections, XXXX XXXX XXXX, XXXX, MA XXXX Phone : ( XXXX ) XXXX CCS Collections XXXX XXXX XXXX XXXX MA XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Status XX/XX/XXXX Unpaid Date Reported Date Assigned XX/XX/XXXX XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX Amount {$150.00} Date of XXXX Delinquency XX/XX/XXXX Balance Date Balance Amount {$150.00} Last Payment Date Whose Account Individual Account XX/XX/XXXX This company dont care if I was a victim or not they keep telling me to pay it anyway so I had no choice but to reach out to your company for help please all I want them to remove this off my credit report
Consumer complaint received 2020-06-15
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. (NJ)

My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to help.
Consumer complaint received 2023-01-04
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. (SC)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SIERRA PACIFIC MORTGAGE (NY)

On XX/XX/XXXX i called up Sierra Pacific Mortgage complaining that they reported me 30 day late on XX/XX/XXXX to all 3 credit reporting agencies, i claimed that i did send out my payments on time and i have proof for that, they responded to me that they also seeing that i send payments, but i should send them my proof trough email to their research department and they will respond to me within 48 hours. 
on XX/XX/XXXX i called them up for an update since they didn't respond to me on time, they response was " we are working on it '' on XX/XX/XXXX i called them again, they response was " we are working on it '' On XX/XX/XXXX i also send them an email again with my bank statements showing my payments. and still they didn't respond to me and they didn't remove the late from my credit report. 

its now more then 30 days and they didn't remove my incorrect late from my report
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I sent debt validation letter via certified mail on XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

T

hese accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance
with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted XXXX, XXXX, and Transunion regrading an inaccurate reporting of a court bankruptcy public record from XXXX, which is no longer list on my XXXX Credit Report. I have asked for this discrepancy to be removed from my XXXX and Transunion XXXX XXXX.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

On XX/XX/28 Charles Schwab Bank allowed ( without my authorization ) a transfer from my checking account to a XXXX Checking account in the amount of {$1400.00}. On XX/XX/XXXX i found out this had happened i called them and told them i never requested this transfer and that i need my money put back into my account to pay bills. They denied my request and told me it would be sent to the fraud dept.
Consumer complaint received 2022-03-28
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.