davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

A billing error between my ex husband ( divorced for XXXX years ) and XXXX cable resulted in a bill of {$1000.00}. Somehow this was in my name for services in his residence. I do not have a XXXX account..My ex husband claims he resolved this error with XXXX long ago but now, not only am I getting billed from a collection agency ( Convergent ) but now it showed upon my credit report. During a 3 way conversation on the phone with Convergent, my ex stated to them I had nothing to do with this account, but they said there is nothing they can do. I called XXXX and they won't deal with me since the account went to collections. I'm hoping you can help me.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX   XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX
Consumer complaint received 2023-06-13
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. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-08
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. (NV)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$870.00}.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (MD)

Nine months ago, this company name CACH , LLC, C/O Resurgent Capital Services located at XXXX. XXXX XXXX in XXXX, SC XXXX started reporting a debt on my credit report from XXXX XXXX in the amount of {$730.00}. I contacted them and they stated they were hired by XXXX XXXX to collect on this debt. I contacted XXXX XXXX since I have several accounts with them and they indicated that this account was opened in XX/XX/2011. I personally do not remember the account but nonetheless, it is literally far beyond the statute of limitations for collections as well as the ability to report to the credit reporting agencies. I have written two letters to this company and they will not remove this item from my credit report. They are in violation of provisions of the FDCPA by implying that the legal status of this debt is collectible by reporting the alleged debt to XXXX, XXXX XXXX and XXXX. This has caused me a great deal of problems trying to get this removed. I have also written the Chief Executive Officers of XXXX, XXXX and XXXX in regards to this discrepancy. I have yet to hear any response from them yet. 

I am asking tremendously for your help in resolving this matter. This is totally unfair and in clear violation of consumer protection laws. Please help me resolve this matter as quickly as possible.
Consumer complaint received 2019-05-08
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from XXXX XXXX. 
All XXXX checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. 
I disputed this with XXXX, sent police report and the copy of FTC complaint but XXXX refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. 
I need these removed, and an explanation as to how four accounts can be opened!!
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

I took out a 30-year mortgage with XXXX XXXX in XX/XX/XXXX. I paid all payments in full + {$400.00} toward the principal through XX/XX/XXXX. My mortgage was sold to TD Bank on XX/XX/XXXX, at which point I immediately paid my first payment to TD Bank ( again, full payment + {$400.00} toward principal ). My XXXX loan statement said I did not owe anything for the month of XXXX because the funds I'd been putting in escrow toward taxes would cover XXXX ( I ended up paying my taxes out of pocket, so they were effectively reimbursing me ). 

Here 's where things have gone awry. 

Halfway through XXXX, I got a note from TD bank saying i was >15 days overdue on my XXXX payment. Reason being : a previous payment had been reversed. The request to " reverse '' that previous loan payment came from another loan agency that *was not* XXXX XXXX - the organization from whom I originally received the loan. I called TD Bank *immediately* to learn more, and they told me they had to enter a request to their investigations team because they don't know what's going on.To be safe, I immediately made a payment. I also made my XXXX payment on XX/XX/XXXX. I have called TD Bank 3 times, and they have confirmed these payments were received, and I am no longer past due. 

All the while, I continue to receive weekly letters from TD Bank saying they're threatening to report me to the credit bureau and that this could result in foreclosure. No one at TD Bank will send me a written document to say that I have been incredibly proactive in working to resolve this issue. Additionally, no one from TD Bank has reached out with a status update, though I continue to ask them to do this. I call once per week, and they still have no update ( after 3 weeks! ). 

I am entering this complaint to document the steps I have taken and the lack of action on TD Bank 's part.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Acceptance Corp. (IN)

This account was opened in XXXX, the company Midwest Acceptance Reported the incorrect amount on my credit report and I fought this and the credit reporting agencies have removed this from my credit. Midwest Acceptance continues to do a hard inquiry on all the three credit bureaus without permission. Currently they have made inquiry as of XXXX XXXX, XXXX and XXXX XXXX, XXXX. I contacted Midwest Acceptance at XXXX XXXX on XXXX XXXX, XXXX and spoke with a XXXX man who was very rude on the phone, I explained about the inquiry and asked why they are checking my credit. He explained, I still have an open account with them. I have nothing listed on my credit from this company as a open, closed, charge off, or any other kind of reporting. I need this company to stop any access to my credit in any way shape or form. Thank you.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened an account XX/XX/22 and I received a email saying to sign the signature document. I never received a text message confirmation to let me login. So a week later I activated my card and added all the money I had thinking it was okay. I tried to purchase something I got declined over 10 times. So I called the bank they said I had to wait until the deposit post. In order to release the new account hold. So thats what I did. The card didnt work. I called in they said I had to come to a branch which isnt accessible to me because I dont have a car right now and the branch is over an hour away. A representative told me I could fax the document in. Thats what I did on XXXX its been 3 days. I called back today and got told they didnt received it. However I called yesterday and the representative said the document isnt pending no more which is good sign and to give it a business day. I did I called multiple times today. They representatives said they couldnt do anything and to go to a branch. Like I stated earlier I have no transportation to go far away ( an hour away ). I asked if I could just closed the account and they told me to go to a branch. Its a continuous loop. I just want my money. They let me add money but will not let me use or withdraw it. Which doesnt make sense to me.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

Copy of email sent to Corporate Heads at Best Buy : This complaint is regarding an illegal charge that caused my credit score to drop over 80 points. I was made aware when I checked my FICO score ( which I check constantly ). My score dropped from XXXX to XXXX ALL BECAUSE OF THIS ISSUE WITH XXXX AUTOMATICALLY BILLING FOR XXXX COVERAGE OF MY XXXX. Please be aware that I do not have to have coverage, so why are you all billing AND NOT OFFERING me yearly coverage like you NORMALLY DID IN THE PAST. It's my decision if I want to continue my coverage. 

I'm highly upset and as a XXXX XXXX XXXX, I'm disappointed. I've work extremely hard on my credit and have been a Best Buy customer for 5yrs. 

Who gave XXXX the authority to charge and subsequently report the XX/XX/2019 charge past due and late? Why was I not contacted about the charge? If automatically billed, why was it not automatically paid with my bank account on file? 
As of XX/XX/XXXX, this caused Citibank to charge 2 late charges and interest charges. I contacted Citibank and in order for them to reverse the late charges, I had to authorize them to take the original payment from my bank account on file. AND THERE'S STILL REMAINS AN INTEREST CHARGE OF {$6.00} is due XX/XX/19. 


Please update information to all 3 credit bureaus and have my credit score RESTORED to its original number IMMEDIATELY.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-18
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2023-06-13
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)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation (FL)

this company has been taking money from my account over an extend amount of time. now that I have closed the account they are calling my job Human Resource office harassing me. I have reached out to the Florida Trade commissioner also. please stop calling my job harassing me its illegal.
Consumer complaint received 2023-04-07
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. (PA)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and i am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX. XXXX, XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX
Consumer complaint received 2019-04-08
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. (IL)

XXXX and Transunion are reporting incorrectly that I am 30 120 days past due on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

On XXXX XXXX 2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXXXXXX limit of XXXX with balance of XXXX, XX/XX/XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

This is an addendum to my last complaint filed earlier today. I just checked my mortgage account with BMO Harris, and have seen that they have apparently double disbursed my escrow refund just yesterday. This brings up 2 concerns. FIrst I was assured on XXXX that the check was sent on XXXX. Second since they have disbursed the escrow 2 times, I do not want an escrow shortage on my account. I have attached a screenshot showing the history and double disbursement.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (AL)

XX/XX/XXXX, i deposited my paycheck, XX/XX/XXXX, Saturday morning i checked my account i don't see my money at all, i checked thoroughly first for it before i did anything else, i went to the bank that morning when it opened, i talked with a bank teller she printed me a paper displaying that Nothing was deposited into my account, the amount is {$600.00} is my paycheck amount, so once i got home i contacted my bank she said the something then told me differently that i should wait until monday and it will appear in my account, also i into logging into the app and wrote my complaint it only said we see that you talked with an teller already the issue is there anything else we can help you with today. So monday is here monday, XX/XX/XXXX, and i still don't see my check. Only the money i deposited last night.l
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

Dear Team, This is XXXX XXXX. 
1. I have an online account with Western Union ( International Money Transfer ) from US checking accounts. 
2. I have been member of this account since XXXX and it is inactive since XXXX. 
I never used it since XXXX. 
3. But on XX/XX/XXXX morning at XXXX XXXX CST, I have received an email that a transaction has been completed using my account and money was picked up at WU location by the recipient. 
4. Similar to this 4 transactions happened within 20-30 minutes of time and these are all fraud transactions and the recipient collected the amount at WU location instantly. 
5. I have called up Western Union Customer Care and they directed to Western Union Fraud department and they suggested me to close my Western Union account and respective payment method ( XXXX XXXX account ) not to get debited with these transactions and get trapped. 
6. I have called my respective XXXX XXXX account and closed my account to avoid the amount deduction. 
7. Western Union Fraud department had raised a case and case number is XXXX 8. They requested me to contact local law enforcement and update the details and refer to this case number ( XXXX ). 
9. Hence I humbly request you to check and help in investigating this issue and resolving it.

10. I am victim of this fraud and getting trouble with it.