davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (MA)

XXXX  keeping my old ( 10 years old ) credit card that was unpaid due my hard time in college. A statute of limitation in Massachusetts Maxing all your dept on credit report up to 6 years General Laws Part III Title V Ch. 260-2.  Please have them remove it because it damaging my score for life and violating my civil financial rights.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX FL XXXX - XXXX, XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-01
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: SYNCHRONY FINANCIAL (TX)

on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  ran my credit without my permission this is my 3rd attempt to get this information resolved with no response, SPOKE TO 3 REPS FROM THIS COMPANY AND THE ENSURE ME THAT THIS WILL BE DELETED OFF MY CREDIT REPORT
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BAM Management US Holdings Inc. (NC)

I created an account with Binance transferring {$1000.00} over to it. A few days later the bank I tried to transfer funds from put a hold due to Binance not being recognized as an established financial institution and flagged it as fraud. I tried my other bank and received the same outcome. Based on this I questioned moving forward with this company. 

I had already traded for XXXX within the account as they allow immediate access to funds you preload with. The trade I made increased in value and because I was unable to fund the account ( since all my banks would not transfer money to this company ) Binance closed the account and liquidated the funds and the surplus would go to them since the account was not funded by my bank. 

Now, XXXX months after this I am being told I owe {$28.00} due to them not being able to recapture all of the {$1000.00} that was funded. When I log in to download the data, it shows no trade data. After requesting from Binance there own data shows a positive amount after the account was liquidated. I have requested this data from Binance with an explanation of where the {$28.00} is coming from as it is not shown on the attached statement they provided. 

- I was never notified of any negative amount until I received a call from a debt collector, keep in mind Binance has all my personal information - There is no record of any of this data on the website once I download the trade data. It only became available after speaking with a supervisor at Binance - The data provided by Binance shows no such amount of the above {$28.00} see attached data
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

Good Morning, I have a mortgage on my property at XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX CA XXXX and the Mortgage Servicing company is Gregory Funding. This loan was in forbearance with the previous Lender ( XXXX XXXX XXXX ) since XXXX of 2020. The loan was transferred to Gregory funding also in XXXX. I did get a notice of this from Gregory funding and notified them of the difficulties of paying my mortgage during these times and requested the the continuation of the forbearance period. During the months between XXXX and XXXX i did make payments to Gregory funding. The last payment was XX/XX/2020. On XX/XX/2020 Gregory funding recorded a notice of default and started foreclosure. I immediately contacted them on XX/XX/XXXX and discussed the matter with representative. I asked why I was in foreclosure with out the correct notices provided by law. At this time the agent said they had mail returned for insufficient address. I asked them why they did not reach out to me via telephone to correct the mistake, representative did not have a response. We went over the address and what was missing from the address was the Suite Number hence the mail was returned. I immediately told the agent why do you have the incorrect address if you were given the correct address by the previous lender XXXX XXXX XXXX, No response. Gregory funding did not follow protocol of what is required by law to notify me of intent to foreclose or follow the forbearance agreement. I have spoken to a supervisor today ( Mr. XXXX XXXX and I said I am willing to clear out my savings and bring the loan current but it is not correct to include Legal fees in the reinstatement figures. He refused to make any concessions and was not willing to give me any answers on why Gregory funding was quiet/no contact with me since XX/XX/XXXX and notified me of the intent to foreclose or notify me that they had returned mail. I would like help in putting some human sense into the situation and for them to reduce the legal fees and allow me to make the past payments and keep my home.
Consumer complaint received 2020-03-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XX/XX/2020 I received three anonymous phone calls on my work number, as well as three additional calls on my cell phone. 

I received information by a non-relative who provided me with the same information as they have contacted at the very least 3 other people. 

The caller states there name is XXXX XXXX with " XXXX ''  and will be serving me with my certified documents between the hours of XXXX  and XXXX at either work or home and I need to contact them regarding this debt right away at XXXX. THis information was provided to other individuals who have had no relation to me, nor have been placed on any reference list. 

When I contacted the number " XXXX '' responded by letting me know that I owed {$4400.00} from a debt with Ace Cash Express and if I would be served with certified documents. 

I inquired as to why they were contacting individuals with no relation to me and she responded " You have them as a reference '', I asked for her contact information including address, company name and was only given " XXXX ''. I asked for a valid address and she refused repeatedly. She informed me she was not required to provide me with any information because I owed a debt. 

I asked to speak to her supervisor. After several attempts the supervisor stated that at first I had the individuals down as a reference. I asked why they called thousands of times ( in general I did not count ), and he stated " no we called 12 times as well as others to try to contact you ''. 
I asked how he was able to receive information for individuals I have never had as a reference and he stated that he was able to get the information based on my social security number and contacted everyone who has had a connection with me. 

I asked him for their address and he refused and stated " I don't need to give you anything if you are not telling me what is harassing about our calls ''. I informed him that they were in violation of the Fair Debt Collection Practices Act and am requesting their information. He responded by saying he wasn't required to give anything if I didn't tell him why I thought they were harassing. 

I have called back repeatedly but I seem to be blocked from their number.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

This company, Credence Resource Management has been questioned and challenged due to the opening and validity of the debt. The credit line item does not directly reflect what type of debt that it is. The company has never communicated what specifically they are collecting and why. I have challenged this using consumer protection laws to demand proper verification of the collection account, as I am also a victim of identity theft. I have the burden of needing to monitor my credit profiles on a consistent basis because of this. 

The account was investigated, and the company was not able to verify the debt on my XXXX XXXX credit profile, and has been permanently deleted as of XX/XX/2020. 

Credence Resource Management has irresponsibly re-submitted this unverified account as a " new collection account '' on my XXXX and XXXX credit profiles as of XX/XX/2020. I believe that this company operates under very unethical practices and defaming tactics just for money. Any company that will try to damage a credit profile of a person that they have yet to fully identify as the account owner should be investigated and fined for their illegal activities. I am requesting that the CFBP properly investigate Credence Resource Management for their erroneous financial practices that effect myself and other consumers.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P. (TX)

I pulled my 3-bureau credit reports on XX/XX/2022 and noticed a collection being reported by SOUTHWEST CREDIT SYSTEMS XXXX I wrote to them to dispute the collection and requested that they provide validation of this collection. ( see my letter dated XX/XX/2022 ) I received a response from Southwest Credit Systems on XX/XX/2022 providing me with nothing that I requested in my letter from XX/XX/2022. What they provided was a letter dated from the apparent original creditor with information that reflects my name, on a letter to Southwest Credit Systems. 

I wrote them another letter on XX/XX/2022 acknowleding that I received their letter from XX/XX/2022 informing them that I could not identify what they had sent me. ( see attachment ) To this date, XX/XX/2022, I have not received a response or any information to clarify to me that this alleged debt belongs to me.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (VA)

While reviewing my online checking account at M & T Bank, I noticed a series of unauthorized withdrawals on XX/XX/2022 ( in addition to petty small change amounts ), listed as " XXXX transfers, '' totaling {$400.00} + change. I notified the bank 's XXXX XXXX. at tel. # XXXX, and they froze that checking account and said they would do an investigation that could take up to 90 days. I received, signed and returned an affidavit by mail to the bank, again claiming the fraud. On XX/XX/XXXX, I called the XXXX XXXX Washington XXXX DC branch and asked if I could transfer the checking account funds to my M & T savings account. I spoke with " XXXX '' who confirmed that the funds could be transferred and she could do so on my behalf. Besides the original {$400.00} fraud amount, there were XXXX amounts in the frozen checking account also to be transferred : {$8200.00} and {$1700.00}. On XX/XX/XXXX, I accessed my M & T accounts online and noticed that the {$8200.00} and {$1700.00} we're transferred to my savings on XX/XX/XXXX, but that the {$1700.00} was then immediately withdrawn on that same date, and those withdrawn funds were not transferred back to the frozen checking account ; I've made numerous calls to both the XXXX XXXX, both on XX/XX/XXXX and dates prior, such as on XX/XX/XXXX, to discern the status of the investigation, but nobody answers the fraud line, and all representative tel. Numbers I call and branch I visit ( at XXXX XXXX ) for this bank keep telling me I must deal only with the XXXX XXXX bank XXXX, but they won't/do n't know how/refuse or are purposely involved in this loss of my funds. Further, upon balancing accounts it appears that the original {$400.00} fraud has not been rectified. Therefore, I am at a loss of not only {$1700.00} but also {$400.00}. Please help me recover the loss of my hard-earned money.
Consumer complaint received 2022-09-10
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & 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 2022-12-24
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. (CO)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-24
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. (CO)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL)

I disputed a couple of things on my credit report a couple of weeks ago, then got a completely different collection hit on my report in the same month! I never even received medical care from the hospital nor received proper notice of any bill in that amount! By mail, email or phone. 

Collection agency information. 
AR RESOURCES INC has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : AR RESOURCES INC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$450.00}
Consumer complaint received 2022-12-24
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are hard inquiries I dont recognize that are fraud
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (CO)

This is followup on complaint # XXXX dated XX/XX/2022 ISSUE : company stated that " Its important to note, the attachment included in your complaint does not include the terms and conditions where this information can be found. '' MY RESPONSE : Yes, that was/is my point - these conditions were absent in the original offer and you are basing your decision on conditions that were added/amended later - compare the footnotes ( attached ) in the original offer and the footnotes of the later offer ( attached ) wherein the footnotes vastly different and clearly amended/updated in the later offer - XXXX ) to XXXX ) and the specific step of verification and other wordings were added much later and was not present in the original offer - therefore they should not be applicable and the offer should be honored.
Consumer complaint received 2022-12-24
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. (CA)

According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Fraudulent Inquiries XXXX XXXX XXXX date of Inquiry ( XXXX XXXX, XXXX ), XXXX XXXX date of Inquiry ( XXXX XXXX, XXXX ), XXXX XXXX XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX XXXX XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX date of inquiry ( XXXX. XXXX, XXXX ) Kind regards, XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2022-12-24
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. (GA)

I have notification back from the bankruptcy courts that states they never provided my information to a third party reporting agency and under the Privacy Law of 1974, Under 15 USC 1681 a ( 2 ) ( A ) ( iii ) a consumer must be given a chance to direct weather information about a transaction should be reported, ( opt out law ) any authorization they believe they have they no longer have.Lexus nexus, XXXX XXXX, Equifax and XXXX has violated my right to privacy by furnishing private information without my written consent, I would like the unauthorized negative report to be removed in XXXX days with a copy of all XXXX reports showing the removal according to the law.
Consumer complaint received 2020-03-03
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. (OR)

Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with XXXX XXXX XXXX. 

XXXX is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX has incorrectly reported that I have a late payment for my card in XX/XX/2022. This has caused my credit score to go down significantly. I have contacted the company 3 times and this has not been corrected. I have also filed disputes will all 3 credit bureaus and this has not been resolved. I have confirmed with XXXX XXXX that I paid the card on time 100 % of the time.
Consumer complaint received 2023-01-05
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. (PA)

I have tried over XXXX times in the past 2 years to have these removed from my credit report because these are not mine and have never been the companies just answer back with a generic it is yours so we are not changing it but they are not listening to me at all.