davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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 noticed these accounts reported on my Credit File which are completely unknown to me. Upon further research, I came to a conclusion that these accounts were the result of an Identity Theft. I don't know how the theft took place neither did I received any benefits resulting from the theft of my Identity. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an Id Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CA)

XXXX XXXX payment made XXXX. 
XXXX entered into system XXXX. 
The electronic data on the Freedom webpage indicated that the payment had been made. 
On XXXX I called Freedom to state that the funds had not come from my bank. 
The representative, A ... reviewed the payment and agreed it stated it was paid. He put me on hold. Upon return, he stated that the payment had just been reversed- at the last minute. He stated the account number had an incorrect digit. I asked why Freedom had not called in 5 days. He stated that Freedom Never calls back regarding incorrect routing or checking numbers, as some people who are in default, behind or in foreclosure use incorrect numbers on purpose. I replied to his astonishing statement by repeating what he said, that Freedom will not tell the majority of their good-paying clients that an account number is wrong and ask to fix the error. This kind of error is noted by most computers on other sites. I repeated to him that their website stated I had paid. He agreed that this error should not go to the credit reporting site. The two following agents argue vociferously that I was late. I repeated the above. The XXXX agent I spoke to would not allow me to speak to a supervisor, stating a supervisor would say the payment was late. The third agent my husband spoke to agreed that this electronic error should have been relayed immediately to us, as is common on most other electronic payments. This is an electronic error on Freedom 's part. This one error caused a XXXX loss on my account! My husband is a Vet. We are hard-working self-employed people. At times very good clients have to juggle funds, which causes payments to be a few days past the XXXX but not past the 30 days. The fact that Freedom states their policy is to not tell the client the account input is incorrect is egregious. Freedom knows the damage to their clients that is caused by their erroneous reporting to the credit agencies. Please listen to the recordings.
Consumer complaint received 2022-07-23
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. (IN)

These companies are furnishing inaccurate and incorrect information to the consumer reporting agencies. and causing damage to my reputation and well being.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

As defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge-off as Gross or Ordinary income, Income does not get reported on the Consumer Report which in fact makes your reporting of this account inaccurate! 

By definition The IRS Clearly says a Cancelled debt or Charge-off is income. The reporting of this account as a debt is inaccurate. 
MIDLAND CREDIT MANAGEMENT, XXXX XXXX, XXXX XXXX XXXX, IS A FURNISHER of information to a consumer reporting agency. 

Therefore they are prohibited to furnish inaccurate information.
Consumer complaint received 2018-12-06
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. (HI)

I am very concerned about the validity and accuracy of the recent investigation done by XXXX and Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.
Consumer complaint received 2021-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc. (MA)

I was offered a job. I just retired from the state after almost 30 yrs as a XXXX XXXXXXXX in XXXX mass and a XXXX XXXXXXXX with the XXXX XXXX XXXXXXXX XXXX in mass. So XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX Ca. XXXX had to do a background check and drug test on me for the job, no problem. I had a drug test around XX/XX/2018 and another one on XX/XX/2018 both came back negative dilute. I was so appalled that I asked my doctor to take one and it came up negative. Also they said something was in my background check and I looked it up and saw absolutely nothing. So I didnt get the job because these people lied. I was in law enforcement for a long time and got tested every year at different times. Never did it ever come back negative dilute. How many other people have these people lifes have been destroyed because of them. Id like this rectified and the company notified that I was going to start working for notified, this was far from the truth. Im also informing the attorney general office. Thank you, XXXX XXXX
Consumer complaint received 2022-01-19
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: Atlanticus Services Corporation (CA)

I received notifications on my phone about my credit account that I had opened a new credit account and it was a credit account of over XXXX $ and they told me that they were going to send an affidavit to fix problem but I dont know what happend and I have to fix it because its affecting my credit score
Consumer complaint received 2021-02-12
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: OPORTUN FINANCIAL CORPORATION (TX)

I was a identity theft victim and I notice that I had an account on my name from oportun and I made the FTC report because I have 4 charge off and multiple late payments on XXXX  and that account is affecting so hard my credit score for something that I never applied for and I need that account out of my report as soon as possible.
Consumer complaint received 2020-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Services Collections, Inc (TX)

This company called account services keeps calling me at all times of the day. When i call back i never get a straight answer. They just me transferMe off to another and i wait in line. When connected they are extremely rude and careless. They dont give any clue as to what this is in regards to. They start asking all kinds of info. Even after i provide to prove i am who i am, they keep asking questions that are impertinent. When i refuse to answer any more, they are arrogant and instead of providing exact info they tell me then i will not give you any not info. 

As though they have power over me and scare me up. 

Got information from my bank regarding bad info in my credit history. In checking i see that this company is calling me. While not giving me the info regarding why they are, they have reported this to credit bureaus and more my credit score is severely impacted. 

Yet they dont clearly tell me who they are? Hope can i trust them with a generic name like Account Services.

Please help. As reported, they are asking me to pay upwards of {$1600.00}. For all in knit this may be a XXXX XXXXpany trying to get my info. I am old and i live alone. I am in XXXX XXXX. They must know and thats why they think they can get away doing this.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/18 at XXXX I attempted to check my dispute with TransUnion, and the system wanted me to log in. When i entered my information the system had me fill out additional information, then i was " signed up '' for a credit monitoring service and charged {$19.00}. I noticed immediately when i recieved a bank notification, so i called TransUnion and explained that i didn't want their credit monitoring service and i was only trying to check the status of my dispute. They kept me on hold for quite some time then told me the error had been corrected. 5 hours later I noticed the charge was still pending and no action had been taken, so i called back, this time after i explained what happened again the employee said she was having trouble accessing the system due to a company wide " update '' i was put on hold multiple times for about 30 min. finally i was told to call back in a few hours to see if they could access the system. I asked to speak with a manager, this happened promptly and the " manager '' was able to immediately tell that the " service '' had been canceled but the charge was not removed because they assumed i wanted the service for the current month, despite the fact that I told all 3 of the people i spoke with that I was guided through the signing up process on their website whild checking a dispute against my credit not buying credit monitoring. I asked the manager about the system wide update and how she was able to access my information so quickly during it, she said that employee was having computer trouble. She said that she would refund the money for me because i had called back on the same day, but it might take up to ten business days to process. I was very upset at this point and just told her thanks and got off the call. I called XXXX afterwards, they put the money back in my account right away and disputed the charge. 
I feel like i was scammed into signing up for it in the first place then lied to about the charge removal. Then lied to again about the computer problems in some kind of attempt to keep my money while I waited for them to " fix '' their system. 
I'm not even sure if you are the orginization I should be writing this to, but I wanted to tell someone at least.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Back in XXXX There was XXXX Transactions with XXXX XXXX. Both transactions were disputed and I processed a claim. I only received one in the amount of {$5900.00} and the other was for {$2600.00}. I was advised that the claim for {$5900.00} was approved and that because the other one came back automatically they had closed my claim. I then called US bank and advised them that they took out my money again without my consent and I was told not to worry that they were going to re open the claim and credit the money since the 1st one was approved already the 2nd claim should also be approved. I request for that money back. I just received this collections letter and all this time US bank never advised that my account was in negative or in collections. I demand that the they do not put any amount in collections since I advised US BANK timely and filed my claim advising them that both amounts were not authorized by me. The account in question was closed due to fraud which ends in XXXX. It was closed in XXXX of XXXX.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CMI Group, Inc. (MI)

XXXX XXXX XXXX has contacted me and since I have failed to communicate with them during my work day, they are now contacting a family member, leaving messages for me on their voicemail.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (VA)

I'm planning to sue your company for not correcting the inaccurate information on my credit report, a clear violation of the Fair Credit Reporting Act. Despite numerous requests, you've consistently ignored the law, and this is my final demand before taking legal action in my local county for your non-compliance.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I am in forbearance with my federal student loans and my mortgage company based in not having a job because of Covid restrictions. 

Now that Covid restrictions are easing up I have a part time job and I have interviews for full time jobs. Three of the full time jobs I've applied for will be doing background clearances which include looking into my credit reports. 

I have been on forbearance with both Carrington Mortgage and XXXX student loans. Both are reporting me to the credit bureau as default. My credit report went from a XXXX down to a XXXX. I'm in default even though I have been and currently still am on forbearance. 

This issue is going to prevent me from receiving a clearance. I know this because I previously did background clearances for the federal government. 

Can you please assist me in how to fix this issue? 

Respectfully, XXXX XXXX
Consumer complaint received 2018-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

We are currently in Bankruptcy and our mortgage was transferred from XXXX XXXX to Caliber Home Loan in XX/XX/XXXX. We pay an interest rate 7.13 % on this mortgage, however when we receive our yearly XXXX tax form for XX/XX/XXXX from Caliber it was for the amount of {$15000.00} for that year. Caliber just starting letting clients in Bankruptcy receive mortgage statements and have access to their statement online accounts. On this first mortgage statement Caliber stated ( recently paid interest ) {$31000.00}. But this is not the amount on our XX/XX/XXXX ( XXXX ) tax form and they had not posted 3 months of payments to our account online at that time and still show XX/XX/XXXX payment due when we are current. I am making this complaint about Caliber Home Loans, because I feel the interest rate being reported to IRS is not accurate and in their statement they are adding unexplained fees past amount when the mortgage payments are being made each month in full.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been a consumer of XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very XXXX. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted XXXX and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to have this delinquent reporting pulled from My Credit Bureau. Thank You!
Consumer complaint received 2018-05-09
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. (IL)

I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. 
I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 e-OSCAR is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
Consumer complaint received 2020-11-29
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: Experian Information Solutions Inc. (TX)

My correct address is deleted FCRA violation please see attached document FCRA VIOLATION. Correct right address is : XXXX XXXX  XXXX XXXX, TX XXXX and remove wrong address below or pay me {$1500.00} PER violation accordance to FCRA law. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX << -- - NOT Correct address. 
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3800.00} Date OpenedXXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1500.00} Date OpenedXXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$430.00} written off. {$430.00} past due as of XX/XX/2020. 
Account TypeUtility Balance {$430.00} Date OpenedXXXX