davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (PA)

I paid in full for Aldous and Associates, PLLC, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to Aldous and Associates, PLLC, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove Aldous and Associates, PLLC collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX th, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (CA)

I contacted my current mortgage servicer Mr. Cooper in XX/XX/2020 about obtaining a forbearance due to Covid-19. I was granted that Forbearance and later found out Mr. Cooper reported me 30 days late in XXXX and XXXX. I have tried resolving the issue directly with them to no avail. This has significantly impacted my credit ability to borrower. I need your assistance getting these late payments reversed. I paid my mortgage current and have never been late on a payment in my life.
Consumer complaint received 2022-11-02
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. (NC)

On XX/XX/2022, I wrote to Experian, XXXX, XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NJ)

They have been repeatedly calling me at least twice a day for the past month. I recently answered the phone, and as they spoke about that I didnt confirm nor deny it was mine. All I did was ask for debt validation letter and the contract from the original creditor, or any documents pertaining to this credit from the original creditor mailed to the address that they stated they continue to say that they couldnt do it and it wasnt available so then they put me on the phone with a supervisor and both times the supervisor continue to ask me for my name and all I said was if they can send the above name documents to the address that they have on record and she continue to say if you dont tell me your name, I will not talk to you and proceeded to hang up
Consumer complaint received 2022-11-02
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. (TX)

I recently received a response from TransUnion to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my TransUnion credit report. I was saddened to learn that TransUnion somehow verified the disputed items, electing to leave them on my report. I am certain that the items I disputed are incorrect and should be removed. Here is a list of the items I have disputed with TransUnion. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  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
Consumer complaint received 2020-08-17
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. (FL)

Personal statement : checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. (AZ)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request its immediate removal from my credit file.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XXXX XXXX, my Fifth Third Essential Checking, without my authorization, initiated a transfer of {$1500.00} from my XXXX personal checking account -- I do not have enough money to cover bills coming on that were to be paid with the money Fifth Third is taking from me. 
XXXX XXXX has warned me overdraft fees and unpaid fees will be assessed for every bill that comes looking for money and doesn't get it. 
-- Right now there are dozen different companies I owe money to who, through electronic transfer from the XXXX account, is trying to collect their due. This means the fees will rack up into several XXXX XXXX that I can not afford to pay. 
-- I did not authorize this. I can prove I did not authorize it. Search my history on all my devices- my desktop, my smartphone, my laptop. I didn't do this. Someone is essentially stealing my money. 
-- Fifth Third and XXXX tell me there is nothing they can do to stop it.
Consumer complaint received 2020-08-04
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)

I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, XXXX XXXX # XXXX
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax has refused to comply with my request to unfreeze my credit in online, phone, and mail contact. I am unable to login to my online myEquifax account and upon further contact with customer service via phone they told me that they can not help me with my account until I verify my identity. When I ask how I can verify my identity over phone they tell me I must login to my online account and answer the online automated security questions. 

When I reiterate that my inability to login to my account to is the nature of my call to begin with, they reply that they are sorry and this is the only means of authentication they permit. If I needed to continue my request to unfreeze I must mail them with outlined identification documents. I have had this call with three separate representatives to confirm that this is not just miscommunication. 

I then mailed them with photocopies of my California driver 's license, Social Security Card, and written letter formally requesting my credit unfreeze. They then sent me back a letter saying that I did not submit them the proper documents and that they can not unfreeze my credit. I am out of options, patience, and sanity. I will try to send them the documents again via mail with a transmittal of documents via registered letter. 

Please look into this I believe that this is a deliberate obfuscation of essential financial services and it is actively preventing me from purchasing a home. Also I would like to highlight that both XXXX   and XXXX allowed to unfreeze my credit same-day in under five minutes online.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (AZ)

I currently have a legal team working with me to improve my credit standing. LVNV Funding LLC has placed negative, uncharacteristic remarks on my credit reports which is affecting my financial goals. The XXXX XXXX Account is on a regular payment plan and pursuance of this credit card debt is being handled by local law office here in AZ. The payments to clear this outstanding debt are consistent and in good standing. My team of paralegals have sent an escalation regarding negative reporting to the bureaus and I received a letter on XX/XX/2020 from LVNV Funding LLC/ Resurgent Capital Services stating they will not investigate the dispute as it is frivolous and irrelevant. There clearly is no integrity involved and this company will dismiss your right to dispute the information on the credit reports.
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (OH)

I agreed to pay a settlement to XXXX XXXX XXXX for two different accounts XXXX and XXXX XXXX who my debt originated with. Also paid Debt Recovery Solution, LLL and XXXX XXXX XXXX. I was told it would update and be removed from my credit report. I would like to see this done asap. These collection are hurting my credit report.
Consumer complaint received 2020-08-17
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. (TX)

To whom it may concern, I have made multiple attempts to reach out toTransunion to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Transunion has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. There is absolutely no valid excuse as to why Transunion has refused to respond. I would appreciate your help in resolving this issue and making Transunion comply with the federal laws made to protect consumers such as myself. Thank you.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CFPB Case # XXXX was successfully resolved in my favor over three months ago, but the incompetent XXXX at Trans Union continue to report the inaccurate outdated information that is no longer in dispute. 

They tell me that it's been updated in their system, but I've now received FOUR reports from them that continue to reflect the inaccurate information, listing that I had a high balance of {$14000.00} from " XX/XX/2020 to XX/XX/2020 '' when the actual creditor, XXXX XXXX XXXX, has clearly and correctly updated that amount to {$0.00}, as indicated in their response to me in the above referenced report. 

I have also attached three of those four reports documenting this inaccuracy.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (AZ)

This Company has never mailed notification of the debt however they are reporting to the credit bureaus. The debt collection practices are in violation of XXXX privacy laws as they have mailed the full and complete medical bill with private very personal information to my lawyers. The information submitted to the lawyers is inaccurate, the billing date is prior to the date of service. How is it possible to bill someone for a service before they were even admitted for an emergency? I have been sending certified letters to this company and they refuse to accept any of them. Very hard to work with someone that will not accept certified mail for proof of delivery.
Consumer complaint received 2020-08-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2020 ) I wrote to XXXX, XXXX and Equifax about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WA)

We have been in the process of refinancing our mortgage since XXXX. Part of this process involved obtaining a payoff statement from Loancare. It took several attempts to contact customer service, and nearly two weeks, but the first time I requested one, they did eventually provide one. They claimed the delay was because they didn't know how to calculate the payoff balance for our second mortgage because the interest rate is 0 %. 

The paperwork from the bank we're refinancing with ended up taking a little longer than expected to process, so we need to obtain a new payoff statement with a later payoff date. I electronically submitted a request to Loancare via their own website around XX/XX/XXXX for an updated payoff statement. On XX/XX/XXXX I received an email stating that my request had been received and forwarded to " the team of specialists experienced in resolving your issue. '' I have heard nothing from them since then, and have been hung up on by their customer service phone number several times. 

Our escrow and mortgage agents working on the refinancing process have also contacted Loancare to request the payoff statement, as it is the only thing we need to finalize our refinance, and their requests have been ignored as well. Our mortgage agent told me she's never seen anything like this. 

It is my belief that Loancare is deliberately refusing to provide a payoff statement so they can continue to collect interest from us at a rate significantly higher than the one we are refinancing to. This is costing us a significant amount of extra money every month in interest, potentially tens of thousands of dollars over the remainder of the mortgage.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On ( XX/XX/2020 ) I wrote to Experian, XXXX and XXXX about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Consumer complaint received 2023-03-17
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. (NJ)

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 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 2022-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau (UT)

I have reached out this Debt Collecting Company and fully paid this debt and they mentioned to remove it off of my credit profile and then didnt. 
I am in good standing with original creditor and account manger at the branch has also said they are willing to remove it and make a good will adjustment as collection has been fully paid but collection company has to authorize it This collection company is i reporting information to credit bureaus is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating and this account went to collections at no fault of my own. but due to a fraud situation i was taken advantage of. 

i want that this information be removed if so my credit report is accurately being reported to the credit bureaus. and doesn't hurt me to qualify for a mortgage as it affects my credit rating and doesn't accurately
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

Collections Unlimited has reported a collection account to my XXXX   credit file. I do not owe this alleged debt. If Collections Unlimited has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Collections Unlimitedhas no legal right to attempt to collect a debt. Collections Unlimited has not validated this debt nor sent me a notice of collection. Collections Unlimited is in violation of the FCRA and the FCDPA.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

First Citizens bank ran a promotion back in XX/XX/XXXX for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I opened both checking and a savings account with them on XXXX XXXX and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied it. 

I am entitled to receiving the bonus based on the terms listed and need your help in this regard.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

Fraudulent charge to Citi Master Card dated XX/XX/XXXX for {$230.00}. The vendor was XXXX ( XXXX ). This was an online charge and our cards were not lost or stolen. This was reported immediately to the Citi XXXX department who now refuse to correct the charge and and threaten to report us to the three consumer reporting agencies if we dont pay Citi Corp back The vender has also been contacted and states they can not assist as the charge was made too long ago.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (SC)

XXXX XXXX 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 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 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Farrell Holdings, LLC (CA)

THE AUTO LOAN WAS OPEN FRAUD FROM XXXX XXXX XXXX IN XXXX XXXX I CONTACTED THE FINANCE COMPANY AND THEY SAID TO REPORT it to THE 3 LARGE CREDITORS AND ALSO FTC IM IN A BAD HOUSING SITUATION AND NEED THIS REMOVED FROM MY CREDIT HISTORY SO THAT I CAN MOVE FORWARD WITH MY LIFE IF YOU SEE I HAVE A CLEAN CREDIT SLATE CAN YOU PLEASE ADVISE PAC TO REMOVE THIS AT ONCE MY LIVELY HOOD IS AT STAKE DUE TO FRAUD I AM A MOTHER OF XXXX I NEED THIS SITUATION HANDLED AT IT IMMEDIATE MATTER THANK YOU XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian is refusing to remove the address " XXXX XXXX XXXX, XXXX XXXX, MI XXXX ''. I have never owned this address and have provided my drivers license showing my address.They state its being provided by the furnisher but I have asked for this furnisher 's contact information and Experian has refused to provide this. Ive checked with other credit reporting agencies like XXXX and XXXX and this address isnt being reported I want this address removed and if its not removed right away I will SUE Experian. This is an on going issue that I have tried to resolve over the past few months and I have documented Experian 's methods of Ignoring, and refusing to resolve this issue