davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XXXX guided me to create accounts with equifax, XXXX, and XXXX  in order to be able to Freeze and Unfreeze my reports for identity protection. 
Successfully created all three accounts and Froze my reports. 
All of a Sudden, I Could No Longer Log Into EQUIFAX. 
On the phone with support. Password Resets Never Took.

Has now been One Week since I was told a " ticket '' had been created to help me.

Other Two bureaus I have No Issues with. 
Have already canceled XXXX. No need to Pay for services already offered for free. 
The email Username I use with equifax is XXXX.
Consumer complaint received 2020-03-19
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. (NY)

On XX/XX/2020 I got hit with 2 hard pulls was sent to my email from XXXX at XXXX. I called XXXX XXXX when I saw the emails. As this was never authorized by me. They told me that someone tried to apply for a XXXX  and a XXXX   card i believe were the 2 cards. I did not authorize these or any cards on said date. The customer service rep told me they would remove inquiry 's but I just wouldn't to make sure here this happens since I am on XXXX   and it is showing inquiry. They had said to me I would get a letter in mail stating that this would come off any credit reports.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-19
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. (AZ)

I created an account to monitor my credit and was surprised to see a collection from XXXX XXXX reporting. Being the only negative factor on my credit, this has dropped my score significantly. This collection of {$500.00} was paid in good faith by year XXXX with the acknowledgement/intent that the collection would be deleted from reporting to the credit bureaus in exchange for payment. Due to inaccurate, misleading and deceptive collection tactics, this collection needs to be removed from my credit due to erroneous collection practices. 

I contacted XXXX XXXX two times, one in XXXX and another one this year ( XXXX ) to find a deletion letter from them, and both times I have been denied that letter because, according to their policies, they do not issue that type of letters and I do know they do. I consider this situation unfair and harmful to my credit and to myself because this was not the original commitment between XXXX and myself and, other than this unfortunate situation my overall credit history is exemplary.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CapitalOne 's current policy is to consider a payment late and to charge a late fee if a payment is not received by XXXX eastern standard time. Several times I have gone to make a payment a few minutes after XXXX local time ( Pacific standard time ) only to see that a late fee has already been applied to my account and the Capital one will not post my payment until the following day. Even though I am making my payment on my due date I still occur a late fee. By not accepting payments after XXXX local time it creates a hardship for those of use who have to make a payment after work or need to run to the ban before making a payment.
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC (NM)

I received a court summons today for a debt in an amount I do not feel that I owe. The summons is from XXXX XXXX/Cavalry SPC. Late this evening, I was quite shocked when someone came to my door unannounced to serve these papers -- especially considering the current Coronavirus pandemic we are experiencing. The amount the summons is stating is much more than I remember accruing. Also, no one had contacted me regarding this debt prior to the man arriving unannounced. I am asking for XXXX XXXX/Cavalry to please validate this debt, starting with the original charge on the card. If unable to validate the debt, I respectfully ask them to remove this from my credit report and please dismiss the case in New Mexico court.
Consumer complaint received 2022-12-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

I contacted PayPal after the website I purchased from didnt match the sellers information on the PayPal sellers info. When I clicked on the sellers information on the PayPal transaction site, the links given by the seller as their info were invalid. I advised PayPal that based on the website info not matching the PayPal sellers info and PayPal sellers info being invalid links that PayPal failed to fulfill their due diligence under BSA-AML regulations. PayPal denied my dispute and I have been unable to retract my monies. The fraudulent information and PayPals standing by the fraud and their failure to know their customer points to PayPal being complicit in defrauding buyers.
Consumer complaint received 2022-07-13
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I recently filed another complaint against PHH/Ocwen mortgage company. XXXX. The company has initiated foreclosure proceedings against my home even though I have made all of my payments as agreed in the modification I signed in XXXX of XXXX. At the same time that I signed the modification agreement I also signed an agreement to assume the mortgage that was originally in my late husbands name. Both documents, the modification and assumption agreement were sent together in XXXX of XXXX. I returned both documents in the envelope provided from XXXX by which they were delivered to me. I sent in my first payment according to the modification agreement that same month, XX/XX/XXXX. 
In XX/XX/XXXX I received a foreclosure notice stating that no payments have been received since XXXX of XXXX. The companys response to my previous complaint states that no payments have been received since XXXX of XXXX ( discrepancy on their part ) and the assumption agreement was never received. I am providing the notarized signature page of the assumption agreement ( document is named in lower left corner ) which was sent in the same envelope as the modification agreement that they do acknowledge receiving. I am also attaching the cashiers check stubs that clearly show payment to PHH mortgage. With the stubs I am also including the signature cards that show these checks were received by PHH. Finally I am attaching the shipping receipt from XXXX for the envelope sent last XXXX containing the modification and assumption agreements. 

This is part of the company response to my previous complaint : Account records indicate that we are still awaiting receipt of the assumption package and a modification can not be completed, and the account will still be in Mr. XXXX name until it is completed. As no payments have been received after XX/XX/XXXX, the status of the account is accurately reflecting as in default and the notice of default was properly sent. In addition, as the account was delinquent, any late fees assessed on the account are proper and as we are obligated to service the account in accordance with the note these fees will not be waived. I have attached the Payment Reconciliation history for review. The account is currently in foreclosure which is on hold due to this dispute. 

I would like to know what has been done with all of the payments I have sent since XXXX of XXXX. These payments need to be immediately applied to my account or returned to me. 
Something needs to be done besides just forwarding this complaint to the company. They need to be investigated and these types of practices need to be stopped.
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: IMMEDIATE RECOVERY GROUP, INC (FL)

I have contacted lenders numerous years ago informing them that I was XXXX and going through social security for SSI benefits, Supplement Security Income. I am XXXX   XXXX and was expecting a payment which I was owed from XXXX XXXX in a lawsuit that was stolen from my family and myself. I have limited income and we desperately needed the funds to assist with additional expenses do to the Coronavirus. We had been eagerly waiting on the money and I was blown away to find out that the funds were taken by this company Immediate Credit Recovery Incorporated. I  never heard of the company and  never received any contact from them but if I had, I would have sent them the paperwork stating I am XXXX  XXXX. I thought the loans had been discharged because of my XXXX. I am asking for this company to refund the money that was taken as we are in desperate need of it.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Colony Brands, Inc. (IL)

The complaint is with credit company XXXX  XXXX  and ginnys I was on a hardship payment program due to XXXX the acco3has been put on credit bureau as a charge off i notified the company just completed XXXX   XXXX and they said that the hardship had been cancelled if they needed to follow up with doctor they could have done so didn't receive any notifications that the hardship program stopped and notifications of a charge off
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Once again XXXX XXXX XXXX is associated with a fraudulent account that is legally putting a collection in my public file with out my written consent with transunion., when this account has been report several times as fraudulent .which transunion has allow these violation when a valid police report has been sent to them, vaild drivers license that has been sent to them to identity me and my current address has been sent to them as well. With all valid documentation to remove this matter, I have suffer damage to my credit report due to this matter by transunion knowing this company is clearly in violation they have expired the XXXX  day window period by not providing any proof of this debt what so ever they have not provide no verification of debt or information of source where they got this information from to proof Im the person liable of this debt. 

Transunion is in violation of 15 U.S.C. 1681 C-2 15 U.S.C. 1681 e section b 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

Transunion has violated my rights under 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. 

XXXX XXXX XXXX is in violation of 15 U.S.C 1681 C-2 15 U.S.C. 1681 g section a ( 1 ) and b 15 U.S.C. 1692 a 15 U.S.C. 1692 b2 15 U.S.C. 1692 d 2
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

I sent a letter on XX/XX/21 to the common wealth financial systems company who I noticed reported on my XXXX XXXX that I owe them {$100.00}, {$160.00}, and {$100.00}. I sent them a letter for them to send me verification that this is my debt, they have yet to send me anything in the mail to verify this is my debt. It is now XX/XX/21 and have yet to get anything
Consumer complaint received 2021-06-18
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. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (VA)

SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Is attempting to extort a debt that has already been deemed as fraudulent. They purchased the information around the same time as it was resolved with original Company XXXX. I am a victim of idenity theft and am dealing with multiple versions from data breaches to family stealing my information. The debt buyer stated above have Interrorgated me and harrassed me on every statement I made about who stole my identity and, how, and why didnt you report it, yet I did and am doing so again now. 
They did not contact me prior to adding a bad debt to my credit which is another violation of my rights and have not provided any validity to this debt as requested in certified return reciept mail I had sent the date I noticed the debt on my credit reports. 
I want this XXXX  account removed from all 3 credit bureaus immediately, as I am well within my rights to seek damages for my score being drastically lowered due to their negligence and unfair debt collection practices. I will not pay for a debt that is not mine.
Consumer complaint received 2021-06-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I use Bank of America cash reward credit card. Early this year, an employee in XXXX delivery stole my personal information and got a cellphone through the card. I reported the fraud to the bank. I also contacted the police office because it is not only related to this credit card. However, after the BOA 's investigation, they thought it is not a fraud and close the case. I contacted with them about it but useless. So I contacted with the merchant. As the thief was found by the police, and the phone was returned to merchant, they are willing to refund me, however, when the merchant tried to issue the refund, refund is blocked by the bank and under investigation for several months. I contact the bank through phone, they said, it is not related to credit card department but merchant service and left me with a phone number. However I can not find anyone to work with because I'm not the merchant and don't have the merchant id they need to provide. The money is stay at the Bank and I never get it back.
Consumer complaint received 2021-06-18
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. (MD)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-03-19
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. (FL)

I sent a document to Experian showing that negative items XXXX on my credit report had to be removed due to I won a court case again the company XXXX for Robocalling. After 30 days Experian didn't remove it the items still remain on my and affecting my credit report.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX I received a bill from TJ Maxx ( Synchrony Bank ) for {$110.00}. I called on XX/XX/XXXX and thought I opened a fraud case since I did not make these charges. They said they would send an affidavit, which I never received. I called again and they said I needed to open a fraud claim. I explained that I did file a fraud claim and never received their affidavit that they supposedly sent. I finally received an affidavit in XX/XX/XXXX and faxed it in on XX/XX/XXXX. 

They do not send status updates and keep mailing bills, calling and emailing. I did NOT make these charges, I was unemployed at the time and am now underemployed. I would like more information on why they refuse to address this issue other than sending bills.
Consumer complaint received 2022-12-31
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. (DC)

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 items 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 WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX  WASHINGTON, DC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX