davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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)

Here are the inaccuracies I have identified : Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX CXXXX  XXXX XXXX XXXXXXXX XXXX A ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : Transunion is reporting an opening date of XX/XX/XXXX while XXXX is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, XXXX XXXX
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bonneville Billing and Collections (OR)

I have repeatedly tried to work out a payment plan with Bonneville Collections in XXXX, Washington. The same woman has repeatedly called me harassing me for money I can not give. They tried to make an arrangement with me over a month ago for over {$200.00}. I explained that all I could give was {$100.00}. This woman kept saying I was trying to deflect my problems, questioning what my parents spent their money on when she asked why I couldnt just borrow money from my family, threatening garnishment whenever they want to Today she called to follow-up and I explained that nothing had changed this month and still all I could give is {$100.00} a month. She said she was trying to do me a favor by helping yourself fix this problem. She lied about details we spoke about in our last conversation that never happened. Finally she said that I could send in {$100.00} a month and they would maybe apply it to the debt. I asked if sending the {$100.00} in would be considered a payment arrangement so they wouldnt garnish me. She responded, Absolutely not. I dont know if its illegal to continue a garnishment if payments are being made, but the cruelty and level of harassment left me sobbing a second time. The total owed is {$900.00} which means I would pay it off in 9 months. They are absolutely unwilling to work this out and I have no other funds to provide them with, which I repeatedly explained to this woman. Please help me.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (DC)

I reached an agreement with XXXX XXXX XXXX to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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. Here are the ACCOUNTS that need to be removed from my file : 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
Consumer complaint received 2022-05-27
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. (RI)

I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE LAST DATE PAYMENT
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

We have XXXX XXXX Account ( {$28000.00} ) account number XXXX, and there is two listings on the Equifax report. 
May we please have the second one ( {$28000.00} ) account number XXXX removed as it is does n't exist or it is a duplicate We only have one account with XXXX from XXXX XXXX XXXX/XXXX. 

XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} XX/XX/XXXX PAYS AS AGREED - Co-maker BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax XX/XX/XXXX ____________________________________________________________________ ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} 09/2017 PAYS AS AGREED - Joint Account COMMENTS FIXED RATE BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax 09/2017
Consumer complaint received 2018-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I saw on my credit report that enhanced recovery company had reported a debt on behalf of XXXX XXXX. I researched the company through the secretary of state and the internet to find to an address to send a certified debt verification letter as I know nothing about this debt. I sent a letter based of the same consistent address I received from from the company 's website and the secretary of state website. However, I received the letter back OPENED and marked undeliverable. I have yet to hear anything from the company, the debt still has not been verified, and it has not been removed from my credit report.
Consumer complaint received 2022-05-27
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. (GA)

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 EXPERIAN Collection : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX AUTO XX/XX/2021 XXXX XXXX/XXXX  XXXX XXXX XX/XX/2021 XXXX Collection : XXXX  XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have been unable to receive money for my family for two months from XXXX and Santander Banks, both companies offer to fix the problem but neither works, causing my family to incur extra expenses for third party applications in order to access the money for my education.
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (AL)

I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act.  611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may no t be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. The account was originally deleted with SYNDICATED OFFICE SYSTEMS, it was reinserted to my credit file without " certifying that the information is complete and accurate. I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to purchase a home. These are clear violations of the FCRA, I ask that my request for deletion be expedited. Thank you for your consideration.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (TX)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My credit card that Ive had for over 11 years was suddenly closed without an explanation to me from the bank. I received an email from XXXX XXXX advising my bank of america card was closed and paid. I tried looking for the account on my mobile app and its no longer there. I also come to find, the account has been reported delinquent and had a balance of {$5.00}. This is the information that Im viewing from a credit report as Ive had no notification what so ever from the bank. I pay my bills on time each month and oddly this account had a balance that I was not aware of, I can not even look at the transactions as I have no access. 
I did not receive a call regarding a balance, a statement or email communication. This is very upsetting knowing the bank is taking extreme measures without notifying the consumer. My credit report has dropped XXXX points and would like an explanation and update to the credit report. If this account was delinquent for {$5.00}, why did I not get contacted? Why did I not receive a statement and why cant I view the account on my end?
Consumer complaint received 2017-07-13
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. (NC)

XXXX is reporting that I have a account with XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I had a loan from XXXX. I paid them in full. My check from work gets garnished and they wont send me a reimbursement. XXXX is blaming The Department of Education. The Department of Education is blaming XXXX. Nothing is being solved. Im getting the run around by both companies. And nobody wants to point me in the direction to get help or a reimbursement. My wage was garnished {$470.00} and I feel its unfair to me because i paid my loans off in FULL.
Consumer complaint received 2023-02-22
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2021 Synchrony Bank notified me they were closing my account. This was immediately after I had made several large purchases on Amazon and sent in a large payment. As a result of the card cancellation Amazon cancelled my purchases, but Synchrony still cashed my payment. 

As a result of this I have a negative balance of {$61000.00} on my card that they owe me. Their statements clearly show this, that they have my money is not in dispute, each of the XXXX service agents I have talked to over the last XXXX months has agreed that I have this credit in my account. 

However, I have called 4 times and talked to different agents to try to either get my money back or the account re-opened so I can spend the money. 2 agents said they would send a check within XXXX weeks, the other two ( including a supervisor called " XXXX in Account Management '' today ) said I needed to fill a form out showing proof of payment and they send me the request letter I have attached. 

I have faxed online bill pay statements to them ( also attached ) showing the payments, and their statements show the payments, but they refuse to return my $ XXXX. XXXX today said that they now need a letter on bank letterhead stating the payments were made, which in my opinion is just a delaying tactic to avoid repaying my money that they fully admit they have. 

I need your help to get my money back, and at this point I think it would be fair for them to pay me interest on it too. Thank you.
Consumer complaint received 2023-10-16
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: JPMORGAN CHASE & CO. (CA)

I was alerted that Chase made an inquiry to my credit report. they will not tell me who initiated the report and for what purpose. Someone changed my phone number in their system. Then I was signed up for Chase 's Credit Journey Identity monitoring system, and a credit report was run. 

Over the phone with XXXX, they said that it looks like the identity thief may have attempted to apply for a credit card in my name. Chase gave me NO information. Chase said said " this is nothing ''.
Consumer complaint received 2022-05-27
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's XXXX, 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have been attempting to avoid foreclosure since the separation with my ex husband. I have provided what has been asked of me over and over and over and its a never ending cycle. I am simply asking to avoid foreclosure. Please have someone on behalf of Carrington assigned that is actually going to take responsibilty of receiving my documents and ensuring a decision is reached. Now that I am facing a sale date the bank tells me I should have requested mortgage assistance once again from them 27 days prior to my trustee sale date. Please be fair and allow me to exhaust the option to avoid foreclosure.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, XXXX XXXX, lender at XXXX XXXX XXXX ran my credit via XXXX XXXX so he could pre-approve me for a conventional loan. He reported to me that it was showing no credit on my account and he was having issues. When checking my credit score, I noticed, on XX/XX/XXXX, my credit score dropped XXXX points. There were no other changes that had happened on my account that would have affected my score. I notified the lender about the credit change on XX/XX/XXXX and he still reported that I had no credit in the system. On XX/XX/XXXX I asked him to reverse the pull. He denied my request. I believe his company did something that drastically dropped my score. I believe this is an error. I am an informed consumer that checks my credit weekly and my credit score was XXXX according to other lenders and XXXX prior to this occurrence according to Experian through XXXX. Lastly, my credit. checks were supposed to fall off after 120 days. On my credit report, it says they will fall off after XXXX. This is an error. Please help me fix this error and report this company.
Consumer complaint received 2022-05-05
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. (NY)

Theres multiple mistakes on my report that causing damages to myself and my family. Making our lifestyle more difficult. I reported multiple times that my personal information is wrong. Theres 4 names on the account. 5 addresses. And one employer thats incorrect and I had multiple jobs in my life. My credit report is only showing one where Ive never worked. Im not sure why its even on there
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XX/XX/XXXX, I XXXX XXXX mortgagor spoke with SPS regarding my tenant has passed away XX/XX/XXXX from 15 years. 

From XXXX XXXX XXXX I have paid the mortgage payments out of my pocket and can no longer afford to pay with my own expenses needed to pay since I have been impacted with XXXX XXXX and my tenant who has passed away. I did also speak with SPS and did advance my escrow payment for my property for the taxes and insurance and was told the this payment was deferred. 

I am working now trying to fix this property because of the XXXX XXXX issues in this property. I received a threatening letter stating I was in default and I am not XXXX XXXX from my servicer. I dont appreciate being threatened when they were advised of my Hardship and my XX/XX/XXXX payment was deferred. To much back and forth and I am filing this complaint and hopefully I can get some assistance. 

I can not sale or rent this property until I get the Covid 19 issues hardship address which is going to cost well over {$20000.00} that I will have to borrow after owning this property since XXXX. 

The house is not livable at this time as you can see from the pictures. Also my mailing address is not my property address that I dont live their and SPS sends mail to the wrong address. My mailing address is XXXX XXXXXXXX Chicago I XXXX that they are aware of. I am here at the property with my contractors trying to do my best to get the property up to livable sanitation for another tenant etc.