davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

I applied for a TD Bank credit card a while back but I never got anything in the mail so I figured that I got denied. But today I signed up for this website called XXXX XXXX and it says that I owe over {$8000.00} on a credit card that they never sent me. 

How can I owe them for a card I never even received? 

I called them and reported the issue today at XXXX XXXX but they said I have to come into a branch or they wont do anything to help me even though I told them whats going on. I work two jobs and I dont have time to come into a branch. 

This is discrimination against people who dont have the ability to take off from work, they are refusing to help me because I dont have free time to stop by a branch.
Consumer complaint received 2023-10-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RANGE CREDIT BUREAU INC (WI)

I RECEIVED A CALL FROM RCB IN XXXX, MN ( XXXX ) XXXX DEBT COLLECTOR FAILED TO IDENTIFY THEMSELVES AND MADE FALSE CLAIMS THEY HAVE COPIES OF MY INFORMATION FROM DIRVERS LICENSES, TO CONTRACTS WITH MY SIGNATURES ETC. THE DEBT COLLECTOR HAS FAILED TO PROVIDE ALL OF THESE DOCUMENTS AND MADE FALSE STATEMENTS OF LEGAL ACTION AND OTHER THINGS. 

THIS COLLECTOR REFUSES TO PROVIDE ANY VALIDATION OF THE DEBT AND REFUSED TO MAKE CONTACT WITH ME TILL 45 DAYS AFTER THE FALSE DEBT WAS PLACED IN THEIR OFFICE AND SAID I HAD TIME TO CALL THEM AND THEY DIDNT HAVE TO PROVIDE ME WITH ANY INFORMATION ON THE ACCOUNT OF VALIDATE ANYTHING AND I HAVE NO RIGHTS TO DISPUTE THE DEBT AT ALL. 

THIS DEBT COLLECTOR IS VIOLATING MULTIPLE DEBT COLLECTION LAWS AND PRACTICES GOVERNED BY THE FEDERAL LAW
Consumer complaint received 2022-09-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I filed for Bankruptcy to save my home in XXXX of XXXX. I began making my current payments my arrear payment which was apart of the agreement I made in my bankruptcy agreement. But when XXXX hit us in XXXX of XXXX I like other homeowners had a reduction in income. And although, I was strugglng, I still made some payments to both my trustee and the servicer of my loan. In XXXX of XXXX my bankruptcy was dismissed. I tried for a Loan Modification and was permanently denied in XXXX of this year. My State of NJ through the ERMA-HAF PROGRAM was willing to help me but because of the re-instatement amount which I am disputing I was denied. On 3 occasions I have request via fax which I was instructed to do by represenatives of Rushmore Loan Management to prove my dispute a 1 ) Proof of Claim & 2 ) The Owner & Servicer of my Loan. My last request was today XX/XX/XXXX with XXXX from Rushmore. I am including for your review documents that states that the {$6000.00} dollars I paid to Rushmore Attorney in XXXX of XXXX was put toward the same arreas that are listed on the Re-Instatement as still being outstanding.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (AZ)

I had contacted the company Paramount Recovery Services regarding this medical account that they purchased in XX/XX/XXXX from an ER visit in XXXX. I had advised that my insurance would cover it and it was removed from my XXXX credit report XX/XX/XXXX but has yet to be removed by XXXX. I would like this information to be updated on my XXXX account as this debt has been dismissed.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Consumer complaint received 2019-04-05
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. (CO)

XXXX ; Experian and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MD)

Westlake is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with Westlake, XXXX, and XXXX but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what Westlake is sending them.
Consumer complaint received 2022-09-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 2015-10-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (IL)

These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on XXXX and found out that it is a collection agency for XXXX
Consumer complaint received 2022-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

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. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance : {$19000.00}
Consumer complaint received 2022-09-16
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. (TX)

I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. XXXX. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( XXXX ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Consumer complaint received 2022-09-16
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am really furious now! As if all the exertions Im placing into this are nonsense, you are so slipshod! What is happening over there at the CFPB and Transunion?! Are guys playing around? Well, let me say to you that I am not! I am so strained that you are just disregarding my appeal to REMOVE the fraudulent accounts from my Transunion report. I have done my part to submit to you my personal information, my dispute letters, the FTC report, and the Police Report I have filed with my local Police Department to demonstrate to you AGAIN and AGAIN that I am a victim of identity theft. So what else should I do? You guys seem like a lot of passing the fault or no liability. Well, whatever the reason, I'm really beyond troubled. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt but look how far weve gone! Please DELETE this harmful information from my file straightaway! 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance XXXX XXXXLate/Closed Late Dates XXXX
Consumer complaint received 2022-03-10
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. (MS)

XXXX SENDING MY DRIVER LICNESE AND SOCIAL SECURITY FOR THIS COMPLIANT. 


my information was misused and now i have some fraudulent accounts on my report. 


PLEASE SEE ATTACH DOCUMENTS
Consumer complaint received 2018-01-07
Product: Credit card or prepaid 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: CITIBANK, N.A. (CO)

Hello, I submitted a complaint # XXXX. Citi bank just added the charge back onto my card. There was no explanation. I did not use this company or their services as you can see on my history. They almost doubled my charges 3 days before the move so I cancelled the move. 
I would greatly appreciate your assistance with this. 

Thank you, XXXX XXXX
Consumer complaint received 2023-07-25
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-05
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. (CA)

I filed for Chapter XXXX back in XXXX of 2009, in XXXX XXXX of XXXX California. I recently noticed after all this time that Experian has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX-discharged XX/XX/2009 {$0.00} XXXX XXXX BKPT CT CA XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy Court XXXX XXXX of California XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-04-05
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. (NC)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. 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 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had two capital one accounts since XXXX. I have never made any late payments on any of my accounts until I lost my job back in XX/XX/XXXX. The school I was teaching at received less funding and I was laid off. In XXXX, I was diagnosed with an illness and am unable to work. My income was reduced by a total of 60 percent. I receive XXXX XXXX from the state of New Jersey. My husband then lost his job as XXXX XXXX at XXXX XXXX because if the government shutdown. He missed two pay cycles. He has since returned to work. I contacted Capital one in XXXX to confirm that if I made my payment on XX/XX/XXXX that it would not report 30 days past due since my family was effected by the government shutdown. I received an alert stating my payments were reported 30 days past due in XX/XX/XXXX and XX/XX/XXXX. I called dozens of times asking if they have a program to help people experiencing a hardship and they advised me there was nothing they could do to help. They didn't care that their employee gave me the incorrect information. I was devastated, as trying to preserve our credit is the only hope we have in re-financing our mortgage so we don't lose our house. I filed a complaint with the better business bureaus, and got a call from their executive office, I missed their call, as I was in physical therapy, I left a voicemail and I explained my situation with the guy who called from their executive office. He never called me back after leaving 6 voicemails. About 10 days later he called back and stated he would reach out to me when he found a solution. he called back about 4 days later and advised there is nothing they can do to help. The Executive office claims they do not have a program to help people affected by the government shutdown. although another employee and their website states the contrary. I am disturbed by their treatment of me, and I felt less than human when talking to them. One representative even referred to me as " you people who can not pay on time. '' I hung up the phone and just cried. My hope is that Capital one will finally try and help me, move forward by honoring their promise to not report late payments to the credit bureaus during the months of XX/XX/XXXX and XX/XX/XXXX due to the government shutdown.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (GA)

Thank you for helping with this CFPB. 

Ive attached a false move out statement that has been effecting my credit score. 

The collection agency claim that I own late fees and accumulated a monthly rental charge for a apartment unit i was no longer occupying. 

In order for this move out to happened I had to follow the leasing terms contractually and report directly to the property managers in the required 60 days to indicate I was no longer going to be living in the rental unit, hence a move-out statement and not a eviction notice within the 60 day notification. 

The property confirmed, I moved out on the confirmed date with my moving van receipt attached and security footage of this day can be retrieved for evidence. 

1 year, 7 months later I was being held accountable for a error the property made in the amount of {$4400.00} Please review promptly, I would like this to be closed and resolved case. 

Many Thanks
Consumer complaint received 2018-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NM)

We attempted to set up a payment modification " trial period '' with our Mortgage Co, Ditech. We agreed to pay a set amount by the XXXX of XXXX, XXXX and XXXX of 2018. We paid XXXX 's payment early from our savings account with no problem. We paid through a savings account that we have had for years and had no problem in XXXX. When XXXX and XXXX came along I made arrangements for the payment to come out of my savings account again and in plenty of time. In XXXX I received a letter that Ditech was unable to take our payments out of our " checking account. '' I immediately called Ditech and attempted to correct the problem. They stated that I told them that they needed to take the money out of my checking account. I asked them to please go back and check the recordings of my calls. I waited for a week for the company to get back to me, they did not. I called them one week later and asked what they found out from the recordings. They stated that when they asked if it was checking account I did not correct them, therefore the problem was mine and the modification trial was a fail. We did receive a letter of default on XX/XX/2018. I asked them how to appeal. On XX/XX/2018 we filed a formal appeal letter. We made absolutely no changes to our savings account, and this was the same account that the company had been taking payments from for close to two years. We do not understand how all of the sudden during our " trial '' period we had 2 payment problems that we had not had during the 2 prior years of  payments.
Consumer complaint received 2019-04-05
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)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.