davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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)

I have disputed the debt with the creditor and they responded on XXXX stating that the account was originally opened fraudulently in XXXX and the original creditor, XXXX XXXX, and the collection agency, XXXX, need to immediately delete these accounts from my credit file. On XX/XX/2020, I uploaded the letter from the creditor along with the necessary identifying account information for both to be deleted immediately as fraud and not mine. ON XX/XX/2020, Transunion responded as the account was " verified as accurate and belonging to me. '' This is blatantly ignoring my request to delete both accounts ( orginal and collection ) as well as blatantly ignoring the creditor 's letter to delete. So in fact, Transunion did not correctly and accurately verify this account was mine. If they had, they would have clearly seen by the documents I sent it was fraudulently opened.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2021-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I got a letter from XXXX XXXX stating they were reducing my credit limit to {$100.00} based on a report from Equifax that my credit score is XXXX. My credit score on Equifax is XXXX. 
I contacted XXXX XXXX credit several times, and they won't fix the error, even though I've offered to give them the credit information. 
This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. 
I have also contacted Equifax. Equifax is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from XXXX XXXX which I have faxed to them.
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (GA)

I took out a home mortgage on XX/XX/2021. 

I put down 5 %, so I had PMI on the loan. 

I completely gutted and renovated the home, increasing its value exponentially. 

I have repeatedly requested from my mortgage servicer, CMG, that they order an appraisal at my expense to confirm the improvements and higher value to remove the PMI. 

They have repeatedly ignored me and repeatedly sent me erroneous information. 

I warned them last week that if they did not respond to me again that I would file a complaint with the CFPB, and, once again, I am being ignored.
Consumer complaint received 2021-07-16
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. (TN)

I XXXX XXXX, rights of privacy have been abused and breached by this bureau which could be a direct violation of government law. This bureau is additionally in infringement of government law by detailing deluding accounts on their site without my authorization. This bureau is reporting inaccurate data on their site and based on the federal law, it is the bureau 's GRAVE Duty to guarantee fairness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in my Experian file that's maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$470.00} on XXXX. I challenge the accuracy, compliance and reportability of this listing. There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXX. They have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that I have also mailed them and that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. If the company Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-10-17
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. (WA)

XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NC)

Beginning of XXXX an account was opened fraudulently under my social security number with XXXX. For the amount of {$950.00} in XXXX. I've only been to XXXX during a layover to California to drill with my military unit during that time. Which was only for an hour and I live in North Carolina. I've disputed these charges in the past and talked to the current debt collector, Receivables performance. They've tried to call me back in XX/XX/XXXX. But didn't talk to me any further due to the information they have being false. Then in XXXX I noticed that the collection was on my credit report for XXXX. When I talked to them all the information they had on me was false mince my name and social security number.
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in they are causing me severe XXXX and stopping me from getting this job offer and now im homeless n cant provide to my two year old daughter and I started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX XXXX, XXXX charged my PayPal MC {$10000.00}. I disputed this information on XX/XX/XXXX with Synchrony Bank. They took the charge off and said they were starting a fraud investigation. On XX/XX/XXXX Synchrony Bank denied the fraud claim and said I received product at my home residence and I benefited from this charge. I received nothing from the charge and I did not charge or allow anyone to use my charge card. I had Synchrony Bank open another fraud case on approximately XX/XX/XXXX. To date NO one from Synchrony Bank Fraud Dept has contacted me, given me any proof of this purchase, or what I supposedly purchased with a {$10000.00} charge. I found out this charge is from a liquor store DBA XXXX XXXX aka XXXX, XXXX. I have filed a police report with XXXX XXXX XXXX XXXX in GA. The county the offense took place. I have given proof to the Sheriffs office and Synchrony Bank. It still shows on all the credit bureaus that I owe this money.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (TX)

Current creditor XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX Agency account # XXXX {$1300.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, US DEPT ED 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 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: 1803 Capital, LLC (TX)

I had purchased a car thru same car lot and bank 1803 capital 2 or 3 months prior to going down with a friend to get XXXX XXXX a car I was under the impression that because I already had good standing with bank I was a co signer my credit at that time wasnt good enough to be co buyer Then XXXX XXXX went to XXXX  I did my best to keep up with payments I had two different managers at the same bank calling me constantly Then I found out I was co buyer after going round and round there was nothing I could do. So then I found out at that time the bank had told the car lot to buy a bunch of cars an they would accept the credit it no matter what So I felt like I was set up by the bank they collected money every week for one or both cars I was beside myself I also learned that even thou XXXX had never made a payment on the XXXX  she would be able to take car any time in a civil case So I gave the car back they told me it would be sold, so now they are saying regardless the car is being resold its still in credit report for the same amount I gave for the car I made 6months worth of payments on both cars XXXX XXXX XXXX and XXXX XXXX XXXX both show the original amounts that I gave as balance please help I was set up for this XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Foursight Holding LLC (IL)

I reviewed my consumer report and noticed late payments on my account with Foursight Capital LLC.In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the FCRA, as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have below. In addition to that late payments are considered transaction due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681 a 2 ( A ) ( I ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with Foursight Capital LLC on the dates below be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safe guard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to Experian/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

During my flight home from XXXX to XXXX on Spirit Airlines XX/XX/19, I applied for their credit card. I gave all my information .... Name, address, SS. I have not got a response about the offer in any way good or bad. I have excellent credit and now fear my information may have been stolen. I sent an email to Spirit and did receive acknowledgement and that they would look into the problem. That was over a week ago and still nothing has come back. Please help.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica (FL)

Comerica banks direct Express card for ssi benefits is impossible to get ahold of a lice person for the last 3 days I cant. I been on hold over 2 hrs  just to be hung up on eventually after no help. I've tried every Avenue through the service. Its saying my pin is lost and my card # invalid, all false. I can not use my card it's not working I cant see a balance, nothing, ssi says it's the cards fault. My rent is due. I'm gon na be homeless.
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Access Capital Services, Inc. (CA)

I disputed this account they removed the account now I receiving letters to pay within 30 days I sent in a certified letter of validation only for them to send me a copy of the account no signature and the end of the statement amount is left blank please remove this account and I do have a report where this account was deleted delete and remove from all three credit bureaus
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc. (WA)

I just saw another debt collection on my account from Grimm collections. The original creditor is XXXX XXXX  XXXX XXXX and the date assigned is XX/XX/XXXX the classification is a medical health care. 
It all started on XX/XX/XXXX at XXXX XXXX XXXX. I lost my luggage containing my passport, my XXXX  documents, and my social security card. The police officer that took care of my case is XXXX XXXX and the case number is XXXX. 
Few months after that, until now, I have been receiving at least once a month either mails, or phone calls from debts collectors trying to retrieve debt that I do not have knowledge about. I successfully disputed at least 8 debt collection in the past months. from XXXX XXXX ( even though I wasn't a customer ) to XXXX  or medical institutions where I have not been. 
In XX/XX/XXXX I have not been to XXXX XXXX XXXXXXXX XXXX, and I think that If I had been there, before sending my account to collection, they would have sent me a mail at my address trying to retrieve the payment. I am up to date in all my payments and my credit report shows no debt and 100 % in payment history since the opening of my account. 
Added to that, I am already wearing glasses that I got prescribed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also use free resources at XXXX XXXX XXXX that offers free medical consultations to enrolled XXXX also, because. I have two medical insurances. The first one is XXXX ( XXXX XXXX XXXX ) that I use when I am in the US and the second one is XXXX ( XXXX XXXX XXXX ) that cover 100 % of my medical bill anywhere in the world where it is accepted expect in the US where I use XXXX. 
I do not have knowledge of this account and I do not recall being at this place. If anyone has been there claiming to be me, they are using stolen information because I leave in XXXX since XX/XX/XXXX and when I look up XXXX XXXX XXXX  all the locations are in XXXX. I will attach to this complaint my XXXX  ID card, my two medical insurances cards and a copy of a medical bill that was due yesterday on XX/XX/XXXX, that I just paid showing my insurance deductible that is locked at {$20.00} for any visit and {$100.00} for major treatments and surgeries. I do not know how I can end up owing {$230.00}. I am not responsible for any of this account and the debt collections agencies should double check their information before sending them. I have a credit freeze and a credit fraud alert in my account because of that. My credit score went from XXXX to XXXX and it's been going up and down every month. whenever I dispute an item and they fail to remove it and I contact attorney general office for more investigations and they end up removing it, another collection is added, and it's been like that for more than a year. If this is an old collection account, I want to notify that all the previous medical collections have been disputed and successfully removed, I also sent a letter asking that the debt collection agency mentions that if the debt was to be sold. Thank you.