davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus have provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please take a good look at the following items and remove them once the Credit Bureaus found them inaccurate as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB Complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit bureaus accountable for your willful noncompliance.
Consumer complaint received 2023-08-10
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: ENCORE CAPITAL GROUP INC. (PA)

Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that Midland Credit Management is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from Midland Credit Management ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. 

I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. 

Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that Midland Credit Management will handle this matter promptly and in compliance with the law. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
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. (CA)

These inquiries are fraudulent and do not belong to me : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023 there was an unauthorized debit in the amount of {$11000.00} was debited from my account. To date chase was not credited my account nor have they explained why they haven't nor have thy explained how it occurred. Further an additional debit in an amount over {$10000.00} was attempted on XX/XX/2023.
Consumer complaint received 2023-02-18
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. (PA)

There was a new credit card alert on my XXXX XXXX account, as I looked into this further, it is a credit card from a company called XXXX. I then a few weeks later received mail at my home to which this was a statement for this card. When I called the company and stated that my last name was NOT what was showing on this account card, they proceeded to argue with me. Then they told me to report it to the fraud department, identity theft.
Consumer complaint received 2017-06-07
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. (TN)

My credit report is listing incorrect information. I do not owe  XXXX   XXXX , I have contacted them and they verified that I do not have an outstanding balance with them. I have also submitted disputes with   XXXX   and Transunion and they failed to update and/or remove this inaccurate information from my report.
Consumer complaint received 2023-03-09
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. (MS)

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 po box XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$830.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Chase Mortgage sent inspectors to intrude into my property unannounced and make harassment calls. They are also charging me fees for this process. The mortgage payments are up to date, I requested Chase to stop this type of harassment as it 's not warranted. I have been a long term customer with them and have several accounts. This is not acceptable and not a fair treatment of the customers in good standing but with financial difficulties due to loss of income.     This is what they stated : Date :  XXXX   XXXX  From : Home Finance Support Subject :  XXXX  : Payment Inquiry Message :  XXXX  Hello   XXXX   : After reviewing your email, I can certainly understand your wanting to get this taken care of in a timely manner.   My name is  XXXX  and I am happy to assist with your escalated request regarding the recent inspection fees that were applied to your account.      XXXX , whenever a loan is  XXXX  calendar days or more past due, a property inspection is completed to determine whether the property is vacant or damaged. We charge a {$14.00} property inspection fee and we send are  XXXX  party vendor  XXXX   XXXX   XXXX   XXXX  to inspect the property.     Unfortunately, the inspections are permitted by your Security Agreement and the Department of  XXXX   Housing and Development   (  HUD ) guidelines. Since your  XXXX    XXXX   payment was received until  XXXX   XXXX ,   XXXX  , we ordered an inspection of the home to ensure the home was n't vacant or damaged.     We apologize for any inconvenience this temporary problem has caused and are committed to delivering the best service possible.     Sincerely,  Chase  Escalations and Support Services ( ESS )  XXXX   XXXX  TTY/Text Telephone www.chase.com
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

X/XX/2017 : filed a complaint with CFPB X/X/2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt X/2017 directly to ProCollect. ProCollect should be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received 3 letters and one postcard from your company offices. XXXX letters and a postcard came from a representative of your office addressed, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. The last one, postcard, indicated that your company placed the initial alert due to the identity theft of mine, XXXX XXXX. However, as my records indicate, I have already asked extended 7 years alert to your company by sending the necessary documents, which are the copies of social security number, drivers license, and XXXX passport. The letter written XX/XX/XXXX of XXXX, which is numbered, XXXX indicated some of my copies of above-mentioned documents might be soiled with some reasons, such as the mistreatment of the XXXX XXXX XXXX XXXX. I am not sure which copies of my sensitive documents including XXXX passport might be soiled, since I mailed several times, including the passport twice. I request which documents have soiled and your office representative could not read and have decided not to be usable as official process for extended 7 years alert. As far as the postcard, which I received today, XX/XX/XXXX of XXXX, indicated that your office has already added the first-year fraud alert, even though I requested the extended alert and security freeze several times already. I just request which document ( s ) was/were soiled to be sent again, even though I have strong fear and concern whether the mailing process of the XXXX XXXX XXXX XXXX might have some problem and has endangered my identity and myself. Another letter, which also dated the same day with same above-mentioned letter, on XX/XX/XXXX of XXXX, and numbered XXXX, asked me to send this inquire to Consumer Financial Protection Bureau as a mail ; therefore , I will send there this mail addressed to it. Even though it might be a just mere question, why these two letters prepared on same day need to be mailed separately by two envelopes ; I strongly believe you need to instruct your employee to save the postage, since I concern the cost of postage so far due to the volume of numbers in total, about maybe XXXX. This latter letter mentioned File Disclosure, since I still have the communication with XXXX XXXX  credit report company, I strongly request your company encourage the XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  to disclose the suspicious activities, which prepare two same number checks, because if the banks issues two checks with same number should be meant the fraudulent transactions. Lastly, I strongly ask you add security alert after this information from XXXX XXXX. 

Sincerely,
Consumer complaint received 2024-03-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (CA)

I have had my Target red credit ( TD Bank ) card for over 9 years. The company has only given me about 1 line of credit increase in the past 9 years & that one was back in about 2019. I update my income every year and ask them for line of credit increases. My credit score is great, has been great for the past 7+ years. The only reason that I can think of as to why Target red card has not increased my credit limit multiple times over all of these years is because Target Red Card is discriminating against me.
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IL)

Rocket Mortgage is charging me PMI insurance. 
They refuse to take it off. 
I was told at closing that the PMI would drop off once I was at 20 % equity. 
My house was recently appraised at $ XXXX and I owe $ XXXX. 
The appraisal on the house at closing was XXXX so even at this appraisal amount I am at 20 % + equity in the home. 
Rocket Mortgage then said that if I got an updated appraisal that the PMI would then drop but they canceled the XXXX with no explanation. 
Today the rep said that I have to pay PMI until XXXX. This is so ridiculous. And they said that I signed on for this which I can tell you I did not. 
I was told once my payments put me over the threshhold that it would automatically drop. Rockert mortgage said today that that was wrong and that I should have been told that. 
Why am I paying PMI when I'm at 50 % equity in my home at this time. 
Rocket now said that I have to get them a letter with receipts on all the improvements I made along with an Appraisal and Maybe, just maybe they will drop the PMI and if not I am locked into paying PMI until XXXX. 
This is crazy.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (LA)

I had car insurance with XXXX and I choose not to renew my policy with XXXX and they sent me to Credit Collections Services.I sent CCS as well as XXXX as requested my declaration page for my new insurance which began on XX/XX/XXXX my policy ended with XXXX on XX/XX/XXXX XXXX acknowledged my last payment was XX/XX/XXXX and XXXX balance due, but CCS refused to acknowledge they received the documents showing there is no debt and have as of XX/XX/XXXX reported this debt to the credit reporting agency.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (FL)

On XX/XX/2023 I have got a alert for Equifax stating that my credit was ran from XXXX XXXX XXXX XXXX, XX/XX/2023 My Partner XXXX XXXX went into the branch in XXXX XXXX XXXX location in XXXX to get a bank statement as which we are buying a mortgage, the bank confirmed with me that he was allowed to get this info, When he got home i choose to get on the phone with XXXX and ask about this dispute, XXXX XXXX the branch manager at XXXX XXXX in XXXX XXXX said that she ran my info bc she thought it was going to be fine with me, she never called me or i never signed any papers stating that i agree for her to run my credit, and on the phone she admits she messed up and she should have called me, she said she was going to take care of this and get it off my credit, almost 30 days later i still have it on my credit and its harming me to get credit for the new things i need for my house. so bc of this inquiry its harming me to get credit that i need for my personal life.
Consumer complaint received 2023-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

In accordance with the Fair Credit Reporting act Jefferson capital systems LLC 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 an account without my written instructions. I am a victim of identity theft. I am disputing this debt because this is not my debt as I am a victim of identity theft. I I request Jefferson capital system send me records stating the collection of this debt is mine, the balance, the complete payment history the charge off of the original creditor a copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.I have filed a police report. I also have filed a identity theft report.
Consumer complaint received 2023-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (UT)

XX/XX/XXXX Borrower Defense Application # XXXX I received an email from the U.S. Department of Education stating in my a member of the class of Federal student loan borrowers covered by the recent settlement of the Sweet v. XXXX ( " Sweet ' ) lawsuit. I submitted a XXXX XXXX to Repayment discharge application relating to my Federal student loan ( XXXX ) The Department of Education reviewed my application and agreed the Sweet settlement relief. The Department has determined that I'm entitled to settlement relief for the loans taken out on or after XX/XX/XXXX associated with my enrollment at XXXX XXXX ( " Relevant Federal Student Loan ( XXXX ) '' based on my allegations regarding the school 's misconduct. Pursuant to the Sweet settlement, the Department of Education said they will do following : discharge my Relevant Federal Student Loan ( XXXX ) ; Provide a refund for any payments made to the Department of Education on my XXXX XXXX XXXX XXXX including XXXX XXXX XXXX XXXX including XXXX XXXX XXXX loan debt that previously paid off ; and delete the credit report tradeline associated with the XXXX loan ( XXXX ). The U.S. Department of Education stated I will no longer owe the debt. Aidvantage has been made aware of the change and yet they did not send me any details about the discharge, including which loans have been forgiven. I did a follow-up XX/XX/XXXX by email. I received a reply back from Aidvantage stating I would receive an update between XXXX to XXXX business days and yet still no reply back. This matter needs to be resolved and yet Aidvantage sends me updates about my student loan when it will start up again and yet they still haven't changed my loan balance. I feel this company is well aware of this discharge and refusing to discharge it and continue to report the inaccurate balance of my student loan.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NM)

I opened my account with US bank- I then funded the account with my XXXX  account. On XX/XX/XXXX I went to US bank to withdraw some of the money for a bill that needed to be paid. I was told the account was frozen and to call a number. When I called the number they said the bank should be able to handle it. I have had the runaround from customer service , fraud department and the hold department. Also no letter was ever sent to me regarding this matter. I keep getting the same thing not sure and a letter will come with the cashiers check. I then went back to the bank to resolve this with the bank manager which he forwarded to the district manager but to no resolve nothing has been done it is coming up to 90 days this is just wrong and still has not
Consumer complaint received 2023-08-12
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. (PA)

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Consumer complaint received 2023-08-13
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. (FL)

In accordance with the Fair Credit Reporting Act. I XXXX XXXX has verified the accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX, XXXX. Account Number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account name : XXXX Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I would like to also add that these inaccuracies and incorrect information is preventing me from accessing credit and a mortgage for me and my family.
Consumer complaint received 2023-08-12
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. (PA)

In accordance with the fair credit reporting act this creditor ( XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Consumer complaint received 2023-06-15
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. (FL)

On XX/XX/XXXX I noticed that I have multiple hard inquiries on my credit report that i didnt authorize. 

XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (GA)

I Recently phoned us auto and requested a reduction in my payments or to refinance the vehicle, but I was told that usauto didn't do that. During that time I had to make repairs to the vehicle on numerous occasions shortly after the purchase totalling XXXX which forced me to request a deferment for that month. I'm not even sure if usauto reported my payments to the credit bureau.