davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
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. (NY)

The credit Reporting Agencies have not updated my credit report after XXXX XXXX corrected a hard inquiry that was on my report. This was in error. So need Transunion XXXX and XXXX  to update their records to reflect the correct information.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA RUR DEV, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.
Consumer complaint received 2019-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I applied for a loan modification as part of Mr. Cooper 's short sale process on XX/XX/2019. I received an email message on XX/XX/2019 saying some documents were missing. I called and left a message with our designated loan specialist on the XXXX. When I did not receive a call back, I sent an email on XX/XX/2019 explaining the requested documents did not exist, or had already been sent. I called again on XX/XX/XXXX without a return call. I resent an email on XX/XX/XXXX, explaining the documents requested by Mr. Cooper to proceed with the loan modification/short sale have already been sent, or do not exist. I did not pay the mortgage on XX/XX/XXXX. I also missed the payment due on XX/XX/XXXX. I have still not received follow-up information about the loan modification/short sale process, but I have started receiving phone calls from a number registered to Mr. Cooper. On XX/XX/2019 I received one call, with no response on the other end when I answered. On XX/XX/2019 I received three phone calls, none of which had responses when I answered the phone. I have been answering the calls, in hopes of resolving the issue. They continue to harass with calls, without responding.
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (LA)

To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to a Misc Deposits account, despite I have never had an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

After opening 4 disputes with JCPenney XXXX Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). 

XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and JCPenney XXXX Synchrony Bank via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. 

To resolve this matter, I am requesting XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Investigative Concepts, Inc. (TX)

This company is calling me and my family members about a debt that they say that I owe. The company that they say I owe the debt to I am current with. I asked them to cease communication but they refuse to stop.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After reviewing a copy of my credit report I noticed a fraudulent account that was listed on there. I have gone to the police but they have said that there is nothing they can do since I have no information on the suspects. Please remove this fraudulent account from my credit file as it is reflecting me negatively. 
The name of this account is XXXX XXXX XXXX
Consumer complaint received 2019-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Preferred Collection and Management, Inc. (FL)

This company " XXXX XXXX XXXX '' calls multiple times daily starting at XXXX. I have consistently told them to remove my number from their calling list due to the multiple calls. I eventually blocked the number, however they continue to call from " Unknown '' numbers this time around XXXX Est, they continue to leave voice messages.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with XXXX. I requested documentation to validate that this account was personally done by me and never received any information about it - not from XXXX, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that XXXX has on file. I have even mailed in letters to XXXX and have never received a response, I am literally being ignored by this company.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

I continued to receive a call at the same time every morning, various similar numbers. Most often, I answered the phone they would hang up. The calls continue in this pattern for about a went on for a week or more. Finally, I answered the phone, and there was music playing on the line. I waited and listened to some lady answered and immediately asked me my $ $ # and D.O.B. Stating she needs to identify who she was speaking too. I explained there no way I was going to give out my information to a person I don't know. 
I asked her who she was and the name of her organization. She said, it so fast as if she didn't want me to know who was calling. I had to ask her to slow and down and repeat herself at least XXXX for XXXX times. Of course ; this made me apprehensive as if she was trying to hide something. I knew then they were trying to scam me. Finally, I said, spell it! 
Of course, the conversation got heated. Business is Business ; I asked them to give me the D.O.B that they had on file, and I would verify if it's mine or not. They refused, I asked for the address again they refused. I told them to cease calling me. A few days later, I received a letter, and I recognize the name. They were trying to collect for an alleged debit from XXXX {$130.00}. I don't owe XXXX or XXXX {$130.00}. I sent a certified letter or Debit verification asking to tell me where they came up with this {$130.00} amount. They send me a XXXX bill for {$220.00}. That it! This doesn't tell me anything. How do I know if this is a real bill or a real company that can collect in Georgia? It really looks like someone used a copy machine to copy a bill.
Consumer complaint received 2023-06-14
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)

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 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 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
Consumer complaint received 2017-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

Debt of {$270.00} reported by XXXX XXXX XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

Debt of {$270.00} reported by XXXX XXXX, XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

When collection agencies sell, transfer or no longer manage accounts they must update or delete the account. Two collections reports of {$270.00} which totals to {$550.00} is inaccurate and must be removed from my credit report.
Consumer complaint received 2019-05-10
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

The reverse mortgage was taken over by XXXX from XXXX XXXX on XX/XX/XXXX. In XXXX, XXXX they asked for proof of insurance, and it was sent over to them. They sent a second notice, and again proof of insurance was sent. On XX/XX/XXXX they put their own insurance onto the property because they said that they never received the proof. After many attempts to correct this, they finally refunded the forced insurance premium on XX/XX/XXXX saying that they now have the in force insurance that had been in place all along. However, they said that since " they '' did not receive the policy in time, that they can change the terms of the contract and drastically reduced the monthly amount they are paying on the reverse mortgage. They wanted me to sign a document agreeing with the " new '' payment plan, which I did not sign. It appears that there may be some fraudulent action taken by XXXX by just saying that they didn't receive the proof of insurance so they can change the terms of the contract and reduce the money that is paid monthly. I have called them several times over the past 2 months to get them to reinstall the correct payment, and they refuse. Please let me know what can be done.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

When I contact the Fraudulent company, all I get is the demand to make a payment. Even when I explained to them the process is slow when making payments before the due date. 

The customer service is very unprofessional and cares only about getting the money.
Consumer complaint received 2023-03-26
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. (NY)

XXXX Charge Off Closed {$3900.00} " XXXX '' XXXX XXXX XXXX Charge Off Closed {$4400.00} XXXX XXXX Charge Off Closed {$3000.00}
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, Earlier this month I sent a letter to TransUnion disputing an error from my XXXX XXXX  credit card. The error with my XXXX XXXX  card was that XXXX XXXX inaccurately reported my payment as late. 

In my dispute with TransUnion I never, I repeat I never, told nor asked Transunion to remove the entire account from my credit report! 

TransUnion did not pay attention and removed my entire XXXX XXXX account, which for the last one year and 4 months was my only credit line which means it was the total of my credit history! 

In order to get a mortgage to have a house for my family later this or early next year I will need a credit history of 2 years! 

This error is putting my child 's and my future at risk! 

I ask for your help in having TransUnion not only restore my XXXX XXXX  account to my credit report, but also restoring the credit history dating from XX/XX/2017. 


Simply restoring my XXXX XXXX account to my credit report will not be enough. They must restore the credit history they carelessly removed!
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (GA)

I'm looking to purchase a new home. I checked my CBR and there was a Barclays XXXX XXXX Credit Card on file. I called Barclay 's and told them this was fraudulent. They told me that I had to, in writing, send them a letter requesting validation of the debt. I sent the letter and it was received by them on XX/XX/2019. In that letter, I stated the account was fraudulent - I never opened it. I provided my SSN, address where they could send VOD documentation, etc. I never heard back from them again until I called them almost two months later. 

On XX/XX/2019 I called again and spoke to XXXX at XXXX XXXX. She validated that my request for VOD was received but no work was done on it. She told me they'd respond back with the VOD. 

I received a letter dated XX/XX/2019 stating that they completed a fraud investigation and found that, " ... the charges were made by you or someone who had authority to use your account. '' They did not provide any validation of debt information - to this date, I've received nothing. 

As such, I want this removed from my credit bureau and I still want the validation of debt information to get a better understanding of who might have done this. 

By the way, I've never received such a nasty and unprofessional letter from a business in my entire life. They didn't even bother to ask me for a fraud affidavit to help with their investigation, so I question the validity of their " investigation. '' They have failed to provide me with the documentation that I've asked for. Per the FDCPA, they're required to do so in a timely manner and have not done so. 

Please help. This is not my account. I was hoping to get the VOD before filing a fraud affidavit, but Barclays didn't even bother to respond back. They only responded back when I initiated the call.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

Was sent a letter from RADIUS GLOBAL SOLUTIONS stating that I owed an Alleged amount of {$850.00} dated XXXX with XXXX XXXX XXXX, I currently have XXXX XXXX XXXX And they have no mention of this debt. This debt is not mine and is fraudulent in nature.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CT)

A letter was written to the credit card company on XX/XX/2020. The credit card company acknowledged receipt of the letter but provided no other response or resolution. This complaint is to follow up on that letter and the credit card company 's lack of response and resolution. 

This BJ 's mastercard/credit card account was opened at the end of XX/XX/2020 as a result of in-store customer service prompting along with the advertised rewards for opening an account ( XXXX XXXX ). A  few weeks later, as a result of additional in-store customer service prompting along with additional advertised rewards, the account was upgraded ( XXXX XXXX ). To date, none of the advertised rewards have posted to the account. 

In addition to the above, a bill was recently received on XX/XX/2020 which suggests that the annual BJ 's membership fee that was {$25.00} per year for many years has now increased to {$110.00} per year. There is absolutely no explanation regarding this significant and substantial increase - especially during a pandemic crisis. Further, auto renewals of the BJ 's membership was never authorized. This membership has been in effect for many years and it has never been auto renewed. 

Feeling robbed, ripped off, and bamboozled.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (MA)

On XX/XX/2018 I was sent to XXXX XXXX by doctors orders to get urgent blood work done. I was given a piece of paper to bring to the hospital where I was seen to have blood taken. Not once did any person I dealt with that day, inform me that my insurance did not cover that specific blood work. 6 Months after that I started receiving constant phone calls from a collection agency about an {$830.00} medical bill. I was XXXX at the time and thought that bill was my mother 's responsibility, so I gave the collection agency my mothers information. They still have been nonstop calling me and now the mark against my credit is holding me back from replacing my vehicle.