davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

I got a call from XXXX at XXXX XXXX  on XX/XX/XXXX. They said I owed a medical debt for myself and my child. They told me the amount was {$210.00}. I believed them and paid for it using my XXXX  card. They said they were XXXX payments receive more company, a debt collector. They said my name and my child 's name correctly and they mentioned dates in XX/XX/XXXX and XX/XX/XXXX when we were in the hospital as well. I looked up my bills though and saw that all outstanding balances were paid. I called my hospitals and they confirmed they don't use that debt collector too. I called the debt collector back and they put me on hold. I hung up and they instantly called back. The women speaking sounded aggressive and determined she was right. But it was strange because before I could identify myself they knew who I was and this was a good hour later that I called them. They sent me an email with my initial payment. They told me they would void my payment and send an email but they never did.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-05-16
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: AmeriCollect (MS)

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

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a customer reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2022-12-14
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. (VA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2016-12-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I checked my XXXX credit reports and there was a collection added to my account from XXXX XXXX XXXX which was transferred over to a company called Law office of Mitchell. They indicated the dates was from XXXX and XXXX which if I went to any facility I have always had insurance. There is not a facility bill for these dates of service they are claiming which leads me to believe if the facility had my insurance information then they should also. I am unfamiliar with these bills and this collector.
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C. (MN)

My check has been garnished and debt almost completely paid. XXXX XXXX Was told debt was from an account with XXXX  XXXX XXXX. That bank closed in 2008. I have no idea what debt is for. I filed bankruptcy in XXXX. Tried to do paperwork to have someone explain to me why I owe this and filed wrong paperwork. Tried to hire an attorney and paid for legal work that has not been done and no refund issued. XXXX $ there. Almost XXXX in 2 months over XXXX ... .still no answers.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report.

Please see attached ; Being reported by XXXX, Experian, XXXX
Consumer complaint received 2023-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MO)

On XX/XX/XXXX an Appointment of Successor Trustee was filed in the XXXX XXXX Missouri Recorder of Deeds. The document is XXXX XXXX. The Grantor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX but trustee for XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
The Grantee is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX. The Mortgage Holder XXXX Mortgage XXXX XXXX and XXXX XXXX were not registered with the SEC. XXXX XXXX XXXX. By acting as Attorney in Fact for XXXX XXXX XXXX doing Business as XXXX XXXX XXXX for XXXX Mortgage XXXX in appointing XXXX and XXXX  as the successor trustee Selene Finance was purporting that the loan was owned by this trust before the mortgage was foreclosed on. By acting as the successor trustee in executing the Successor Trustee Deed Under Foreclosure on XX/XX/XXXX, XXXX and XXXX  was purporting that the loan was owned by XXXX XXXX XXXX XXXX doing business as XXXX XXXX as trustee for XXXX Mortgage XXXX, The foreclosure was scheduled for XX/XX/XXXX and rescheduled for XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX submitted documents to the XXXX 's that he purchased the property on XX/XX/XXXX. The letter was produced on the letterhead of Attorney 's XXXX and Associates XXXX XXXX XXXX  XXXX, Mo XXXX. Phone Number XXXX XXXX stated that he did not buy the property on XX/XX/XXXX that the sale was XX/XX/XXXX. XXXX XXXX with his attorney XXXX and XXXX gave the XXXX 's a on XX/XX/XXXX a notice to file and Unlawful detainer. Under Missouri law XXXX XXXX notice of the date of foreclosure sale must be given to the tenant. This was on the notice is XX/XX/XXXX, XXXX law in Missouri under statue XXXX.that if the sale does not happen within seven days of the notice the lender has to start all over again.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX I recently checked my credit report and noticed above named company reporting inaccurate information. I am a consumer person fully aware of my rights protected by the Congress under the Fair Credit Reporting Act.I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 the the account listed above.The provisions of 15 USC 1681 Section 602A guarantee my rights to privacy. Furthermore, 15 USC 1681 Section 604A Section 2 specifies that a consumer reporting agency cannof furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and the necessary actions will be taken to rectify the inaccuracies in my report.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR account opened on XX/XX/2018 closed on XX/XX/2018. but still reporting on credit after they closed the account and still receiving harassing phone calls
Consumer complaint received 2024-02-19
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. (VA)

I recently filed a dispute on the account associated with account # XXXX and Experian responded saying it is accurate. I have reason to believe this investigation wasnt done properly. ( Attached is a legal letter from the Bankruptcy court clearly stating that they do not report to any credit reporting agencies. ) So, I want to know where did they get this false information from and they never responded. Experian is the only credit reporting agency reporting this false information.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, XXXX and Experian.I would like them removed immediately. Previously disputed with no resolution. 

XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. 
I do have a police report with identity theft on those credit card, as proof. 

I need you help on this matter please. 


XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 



CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IL)

Hi, I am not sure where to go next with an issue with my mortgage service company ( BSI Financial ). I am looking for help who to contact next and what to do. 

I am encountered several issues. My current issue is that BSI is charging me a late fee of {$58.00}. The reason for this that they did not cash the check sent to them which is on auto pay with XXXX. 

XXXX sent out check on XXXX - However, BSI on cashed in on XXXX. 
XXXX ( Recurring ) bsi Interest Checking- {$1.00}, XXXX Bill Payment : Check Cleared on XX/XX/XXXX Therefore, BSI posted a late fee of {$58.00}. BSI claims the issue is on my side which I don't believe. XXXX has been very reliable. 
I called BSI and they told me that they would request a waiver ( not sure why customer service could not waive ... ). However, they told me they do it only once a year. I did already have a late fee not to my vault. I already worked with them on another issue with wrong escrow charges. The last call is now two weeks back, and they did not waive the late fee. 

Some background : I refinanced my mortgage with XXXX in XXXX of XXXX. The mortgage got transferred to BSI Financial. At the beginning I had no issues. But out of the blue I got past-due notices. It turns out they paid my property tax. However, my mortgage is a no-escrow. So, they dis not charge me monthly for escrow. However, they debited my account and as a result told me I am past-due as I only paid regular mortgage payments. XXXX county refunded BSI automatically as they noticed that they got overpaid as I made the property tax payment earlier myself. You would think the issue would then resolve itself. But no. BSI did not credit my account for the refund from XXXX county. 
I then enter the phase of calling, being promised things are resolved etc. Trying to get in touch with somebody is nearly impossible. 

After several interactions I did not know what to do next. I filled a complaint with XXXX  However, this did not lead to a resolution. I got letters from " BSI Financial '' telling me that the issue is resolved. I also had more calls where I was promised the issue is resolved. Well, just today I got an other past-due notice. Calling them is nearly impossible, it takes several hours of effort to get in touch with them. I also have a job .... 

This has been dragging on for months. I never encountered a situation that couldn't be resolved. 

I don't know what to do next .... 

Also, XXXX  " BSI Financial '' tells me I am not alone.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXXt : authorize inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX  XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attempted on multiple occasions to have this inaccurate information removed from my credit report from XXXX in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.