davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (TN)

I have notice an account on my consumer profile upon return from XXXX XXXXXXXX, someone opened a fraudulent account in my name and was paying it somehow but i noticed it when i started getting notifications from my consumer profile report. i have stated to this company and now i am notifying the credit bureaus that this is a fraudulent account obtain in my name. i asked this company to send the original contract with my wet signature, the company could not provide this information therefore proving that this contract is fraud and does not exsist. i am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me 15 USC 1692 ( E ) this is a violation of federal law. I dispute the validity of this fraudulent account which the company has failed to show or provide me with the original contract. This has caused me hardship because i have not been able to obtain credit because of this companies failure to remove debt in 30 days i have filed an affidavit in federal court for damages pursuant to federal law! 5 USC 1692 ( K ) this company is liable to such person the sum of XXXX  according to the F.and can be filed in the U.S. District Court This company must be removed from my consumer profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Sincerely XXXX XXXX.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (CA)

Dear Consumer finance Bure. 
I'm trying to remove a lien against to my house. Lien was put by XXXX XXXX XXXX. I refinance my house in 2005 with XXXX XXXX XXXX. XXXX XXXX   XXXX  was supposed to pay off {$9500.00} from XXXX XXXX XXXX XXXX XXXX to XXXX/XXXX. XXXX XXXX XXXX  or the XXXX XXXX XXXX never paid the loan to XXXX. the XXXX tried to collect the money from me which I thought it was all ready paid off. The loan went to collection and that ruined my credit score and I'm not able to get a car loan or refinance my house. Since then I have been paying very high interst on my credit cards and all of the loan that I apply. The collection company XXXX XXXX XXXX take over the collection and took me to court for {$1700.00} and levyed my bank account of about {$800.00} and put lock on my safety deposit box, which have my daughter 's and my passport in it. I can't get it out until this day. I'm trying to refinance my house to pay my x- husband and no one wants to give me a loan because I have a lien against my house from XXXX XXXX XXXX for {$19000.00}, which was XXXX XXXX  XXXX faults, now own by Chase Bank . I called Chase Bank and XXXX XXXX XXXX no one wants to help me to remove the lien off my house. XXXX XXXX XXXX  is not exist anymore, I can't get hold of the Escrow company or the XXXX XXXX XXXX. Please help me to remove this lien against my hose and find out what happened to the money that I paid to them. My mortgage loan is still with Chase Bank they been collecting interest on this loan and XXXX XXXX XXXX been collecting interest and late charges on this loan, now it is add up to {$19000.00}
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (DE)

TRS RECOVERY SERVICES INC. I got 4 letters from this company attempting to collect on XXXX online check Payments never made or authorized by me on a account that i had closed years ago from a result of lost checks from a credit card account. I dispute check number XXXX {$11.00} REF XXXX check number {$60.00} REF XXXX check number XXXX {$20.00} REF XXXX and check number XXXX {$59.00} REF XXXX these are all fraud.
Consumer complaint received 2017-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC (OR)

In 2011 I was diagnosed with XXXX XXXX. I had XXXX XXXX performed at the XXXX lab and also had insurance through XXXX. I paid what was left over from my insurance with 3 separate checks and still have the copies that shows XXXX cashed them ( front and back ). They turned me over to Fidelity a  collection agency. I have tried to get them ( Fidelity ) to provide documentation several times, the last time being today and do not receive anything proving I owe the XXXX dollars they say I owe. I have it disputed on my credit report but all that does is cause me problems when I try to make a major purchase even though my credit score is in the high XXXX 's. I have asked XXXX and XXXX to remove the dispute but it still shows up disputed.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC (FL)

I have tried for six weeks to get XXXX to endorse and send checks from Insurance company to pay for work done. 

XX/XX/XXXX Roof Damage XXXX XXXX issued half payment check to get work started. 
I mailed to XXXX XXXX they endorsed and Work started. 

Work was completed XX/XX/XXXX. 
Insurance company inspected and approved Issued checks for final payment County inspected and signed off on the work as well. 

I mailed insurance checks again to Mortgage company and they returned them UNENDORSED. 

They claim they needed to see the estimate and W9 for the roofers and a list of documents. I mailed the documents and check AND ALSO faxed them as requested. 

I was told they do NOT correspond through Email. 
I then received a letter stating that they understand that I have had damage. 
Which makes no sense since they endorsed the checks to start the work. 

I called and was then told that the roofer needed to fill out one of their special forms. 
I requested it sent to me as well as a call back from a supervisor. 

Six weeks have passed and they are still holding the checks from the Insurance Company. I am not able to pay the roofers who did the work. 
As far as the insurance company is concerned the work is done and the claim is finished. 

Each time I call they are rude and I feel as if they are being unreasonable when I only want to be able to pay the workers for what they did. My insurance company provided the check payment. This is just a simple endorsement.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX never late XXXXXXXX XXXX never late XXXX XXXXXXXXXXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX {$980.00} not mine XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX   XXXX {$430.00} not mine XXXX XXXX XXXX XXXX {$970.00} not mine XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized
Consumer complaint received 2019-11-04
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. (FL)

Please be advised that this is my 27nd / WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them. 
XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
Consumer complaint received 2022-03-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION (TX)

I HAVE HAD ACCOUNTS AT AMEGY BANK FOR 14 YEARS AND THEY DECIDED TO CLOSE MY ACCOUNTS BY XXXX. FIRSTLY I LOST USE OF MY ON LINE ACCOUNTS IN MID XXXX AND THEY STARTED TO RETURN CHECKS TO PEOPLE I WROTE CHECKS TO BEFORE THE XX/XX/XXXX DATE. MORE IMPORTANT IS THAT I HAD NINE CD 'S 1. {$10000.00} 2. {$1000.00} 3. {$26000.00} 4. {$10000.00} 5. {$10000.00} 6. {$5000.00} 7. {$6000.00} 8. {$1000.00} 9. {$50000.00}. I was earning interest on all the cds and none of the terms had expired. Amegy bank closed all the cds without reason and sent me checks XX/XX/22 and XX/XX/22 not paying me interest on the cds from there closure and holding the checks to send out XXXX XXXX. On XX/XX/22 I received a call from the bank that they have stop payment and are sending the cds to XXXX XXXX even though I am not in default with XXXX XXXX. I did not agree to this and I am losing money because Amegy violated my contract with them. I also need access to my old accounts for tax reasons. I think that Amegy should reinstate my cd and give me my back interest.
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

response to complaint XXXX XX/XX/2019 ATTN : Customer Correspondence XXXX XXXX XXXX XXXX, OH XXXX To follow up to the CFPB complaint on XX/XX/2019 : 1. I have been receiving BMW information to my XXXX XXXX XXXX XXXX XXXX, CA XXXX for more than a year since it was changed when I moved to XXXX XXXX XXXX from XXXX XXXX in XXXX, CA XXXX. 
2. In your complaint response BMW claims they sent a response and yet that is addressed to my old address. Can you explain why this single piece of mail was addressed to a more than 1 year old address? It is very odd that a critical piece of mail responding to my complaint was sent to an address I hadnt lived in for more than 1 year, despite receiving both the requests for the $ 2000+ and the post lease 3rd party inspection were sent to my correct XXXX XXXX  XXXX XXXX XXXX Address. 
3. I have the right to get a post lease inspection and the results when I return the car. I am allowed to have an opportunity to fix this before the charges are applied. I most certainly had time to conduct an inspection and had brought my car there for that purpose. In fact I first came in earlier that morning without an appointment and returned later in the day for that purpose. 
4. I sent two more subsequent letters to BMW Financial services XX/XX/XXXX and XX/XX/XXXX with no response. 
5. I also placed additional phone calls to customer service XX/XX/2019 and XX/XX/2019 to discuss why I had gotten no response. They had no way to verify the status of written complaints and I was told to continue to wait. 
6. You place a disputed amount into collections I will also send copies of the letter and the CFPB to the collection bureau as it has clearly not been resolved I am formally disputing this charge and also with the collections agency you place it with, because I was not notified during the end of lease inspection and I had the original wheels and was told dont worry everything looks good and I insist that BMW financial work with this dealer and XXXX in XXXX who I bought this from, to accept the un-used rims for this car. 

To accept my vehicle, take the profit from selling it, and then say they have no responsibility with the inspection or accepting the wheels because they didnt originate the sale, is not acceptable. I will also be looking to move into formal arbitration as I have all the documentation of when I tried to contact BMW, the different responses and excuses received from both the dealer and BMW financial services and the illegal attempts to move a debt to collections during this dispute. 

I will also be sending complete copies of the phone records, letters of complaint as well as this complaint to the collections bureau listed as I am formally disputing this and BMWs management of this dispute thus far. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit report has been pulled and a hard inquiry has been left on all XXXX credit bureaus for many companies synchrony bank has pulled my report for ( twice ) XXXX penny, XXXX, and others against my permission
Consumer complaint received 2023-07-01
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. (KY)

I have made several dispute about XXXX XXXX XXXX with XXXX, XXXX, and Experian on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX on these two accounts. The first one Acct # XXXX is schedule to continue on record XXXX has XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025. Which is correct? Can't be all three is accurate. 

Second acct # XXXX account is scheduled to record until XXXX has XXXX, Experian has XXXX and XXXX has XX/XX/2025 XXXX Which is correct? All three can't be accurate?
Consumer complaint received 2019-11-04
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: Experian Information Solutions Inc. (TX)

I am in the process of purchasing a home. I have many errors on my Experian Credit file. I have been disputing them with Experian for 4 months and with absolutely no results. They have my Driver 's license, utility bill and social, yet they just sent me a stall letter stating that they received a suspicious request after I filed a failure to respond to my disputes. There is nothing suspicious about my disputes and they are in compliance with the Law of the FAIR CREDIT REPORTING ACT.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS CREDIT XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX {$110.00} not mine XXXX XXXX   XXXX {$980.00} not mine XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$970.00} not mine XXXX XXXX XXXX XXXX {$710.00} not mine XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I have been contacted repeatedly by this company about a debt I do not owe, I believe it is a scam email and do not want to contact the sender, nor click on any links. The company name that is contacting me is LVNV Funding LLC, the email that is continuously contacting me is XXXX XXXX
Consumer complaint received 2019-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was in the process of changing banks from XXXX XXXX XXXX XXXX to XXXX XXXX and ran all the money out of the XXXX XXXX account only to find that the credit card associated with that account incurred a {$2.00} charge I believe for not being used. I called XXXX XXXX and they were unable to take a payment for this over the phone and so I attempted to transfer money from my XXXX XXXX account to the XXXX XXXX account but unfortunately this took a good amount of time ( I want to say 10 days ) and this {$2.00} caused a late payment and dropped my credit score by over 100 points. The money was transferred and payed on XX/XX/19
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-26
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. (DC)

I reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.
Consumer complaint received 2019-11-04
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. (FL)

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2019-06-25
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)

EXPERIAN HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX0NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXX  XXXXNOT MINE
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

We had a company. My wife over saw the office, she was diagnosed having XXXX. that was about 20 years ago. My wife is on XXXX.. I was out in the field. We sold after 40 years not by choice. I XXXX  my XXXX  in 1997 XXXX took about 3 years to get on my feet. Now im on XXXX. My mortgage was XXXX  XXXX  then sold to XXXX XXXX who just sold to Shell point MTG. 
I have as of today not received any notification that I was getting a new mortgage company, final notes about the account. 
All of s sudden I have the new company, No notification nothing. So in the transition i seem to have lost a payment or so now my account seems non retrievable. My main reason for getting behind was i XXXX  my XXXX  then XXXX  my XXXX  XXXX  completely. XXXX, XXXX, XXXX this year i had 2 major XXXX  which left me XXXX XXXX.. Im trying on my end slowly but im not in fighting node to dig thru piles to locate payments. 
I know what my conversation was with XXXX XXXXXXXX when i made my last payments. 
I dont know my account number with the new company Please help XXXX XXXX
Consumer complaint received 2019-11-04
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: Paypal Holdings, Inc (IN)

On XX/XX/2019, I received a refund from paypal that was sent back to a debit card with XXXX XXXX. ( An account which I had closed prior to this transaction ) not knowing that I was receiving said return. The amount was XXXX. On XX/XX/2019 at XXXX XXXX XXXX XXXX issued the XXXX back to PayPal because the XXXX XXXX Account that I had with them was closed. 
Paypal is refusing to return my money to my Paypal balance, and is claiming that they do not have the money XXXX XXXX sent back to them. 
Ive called and even 3 way called both financial institutions and nobody is claiming that they have the money. Ive tried numerous times to remedy this situation, but I have been unsuccessful in doing so. 
Id like this company to step in and see where my money is, and make either financial institution issue my funds immediately. 
Thank you for your time regarding this issue