davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name XXXX 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 2021-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I never did business with the company Convergent outsourcing .I disputed it 2 times and both the company and the XXXX  never provided me with a signed contract with my signature. a collection bill is not a validation and I have a right to be provided with proof or it needs to be removed. In attempts to get it off my credit I paid off the balance. It still reflects I owe. This is also inaccurate reporting.
Consumer complaint received 2021-08-23
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. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance {$1400.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$210.00} XXXX-Balance {$1200.00}
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation (SC)

Receivables Management Corporation The third party collection agency has attempted to collect a medical debt, and has sent me an itemized statement with all medical procedures done. This collection agency has violated Hippa, I did not authorize Receivables Management Corporation to have access to my medical records which is in violation of my privacy rights.

List Date:XXXX Amount : {$540.00}
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SLM CORPORATION (NY)

This company keeps sending me monthly emails Pre approvals to apply for their credit card Ive applied and they still havent got back to me this is ridiculous when they shouldve approved me by now my credit is in good shape for this to be happening to me
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is reporting my score at XXXX. Which is correct as my identity has been compromised. Multiple request have been submitted to XXXX and they have failed to complete a thorough investigation. They have failed to provide me with all measures they have taken to investigate the matter and still have not changed my credit score which has prohibited me from getting a car loan and being approved for a mortgage loan.
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Trying to get a car loan. Lender can not pull equifax report because EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT FILE IS NOT AVAILABLE Started XX/XX/XXXX. Talked to 5 different reps. States this is no fraud alert or freeze. I can not access my own credit report. Consistently getting error code XXXX. Sent identity verification twice. Still can not access my equifax credit report. Equifax also gave me access to another my equifax account to resolved problem but it was someone with the same name as me. So i also had access to someones credit file
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint purchased my mortgage from drop mortgage XX/XX/2019. The first payment made was sent and credited correctly. The payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2019 were made and were never credited or recognized by shellpoint. I have bank records showing this payments were debited from account but Shellpoint would not credit my mortgage account for them. We had the bank track the routing of the payments and they confirmed deposit in Shellpoints bank. 
Additional to the theft of payments, Shellpoint tried to draw funds from accounts that were in my underwriting file that were never associated to the mortgage. This was identify theft. They refused to track the IP addresses, which would clearly show the log in for this fraudulent activity was located in their office. 

They have since refused to communicate about either issue. It seems like after initial investigation they are trying to brush it under the rug and cover it up. I believe this would be a RESPA violation, larceny, wire fraud, and identity theft
Consumer complaint received 2021-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Multiple credit card payments were reported late during the covid pandemic with no help to keep negative reporting from hitting my credit report. Was put on a parent plan and made multiple payments to keep credit card from being charged off and credit card was still charged off.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ADIR INTERNATIONAL LLC (CA)

In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 

An account was opened in my name under La Curacao on XX/XX/XXXX in the amount of {$1000.00}. 

I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
Consumer complaint received 2022-02-13
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. (TX)

XX/XX/XXXX The problem was supposed to be resolved and yet its the same issue. Documents have been faxed, uploaded and nailed.Credit Acceptance has been paid off last XX/XX/XXXX {$480.00} Yet still its the same issue. This has cause mental health issues for me .Also CFPB also has a record of this error as well.
Consumer complaint received 2024-03-07
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. (FL)

XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate Sears Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 

An account was opened in my name under Shell CBNA on XX/XX/XXXX in the amount of {$600.00}. 

I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-06-13
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2019-08-01
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)

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX XXXX, XXXX XXXX CARD SER.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-06-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2018-05-02
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: Experian Information Solutions Inc. (FL)

I have contacted Experian as well as each company associated with the inquiries in regards to having the inquires removed because I did not authorize or consent to the inquiries or for my credit report to be ran. Each inquiry is still showing on my credit report I also have completed a fraud affidavit, report number XXXX, with inquiries still reporting on my credit report. 
Inquiries include : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX In XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-14
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. (NC)

I have a active XXXX XXXX credit card in good standing for many years. Sometime in the past year or so a negative XXXX card account had gotten added to my credit report. Ive disputed this several times with XXXX  with proper documentation but they have failed to do anything about it. I cant even dispute it anymore because they have it permanently like they are still undergoing an investigation even though theyve updated it again with the same negative information but making appear newer. They have added remarks that dont even make sense. I do have copies of what they are doing along with my documentation that should had been read and looked at. The last time I had a payment it was due back in XX/XX/XXXX. I paid it early in XX/XX/XXXX. Also have proof of a new star card that was mailed to me back inXX/XX/XXXX. I do have copies where I had spoken with XXXX.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is an addition to a complaint I made to the CFPB already. 
I just received my billing statement from Capitol One. 
They refuse to show the amount that is Available to use for credit. As of XX/XX/2021. All information on a statement is supposed to show for my account so I can keep track of all aspects of the billing procedures. I just made a payment on this account. 
There withholding the information that I am entitled to see since I am the one paying on this account.
Consumer complaint received 2022-10-11
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Good morning my name is XXXX XXXX. I am contacting this office because there has been incorrect updating that has been affecting my credit score. The negative impacts have been impacting me in a negative way in my current milestone I am trying to reach. I am currently buying my first new home and my credit has been an outgoing factor that has been causing a lot of stress during this time. My mother XXXX XXXX has added me to her capital one and XXXX XXXX credit cards which have been helping my score. Her score keeps increasing and it seems mine is taking quite some time or for instance decreasing which is why I am doing complaint. The issue that is happening is that my mother paid off a significant amount of the balance that was owed in both of these credit cards which made her score increase but not mine and now my credit decreased which has not happened before it always increases my score. My credit score was at XXXX and it decreased to XXXX from XX/XX/XXXX until present date. If your office can kindly review my account and complete the changes that need to be done like updating correctly so my score will stop being affected.
Consumer complaint received 2021-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

My mortgage got transferred to Flagstar Bank recently. My previous mortgage servicer had all the insurance documentation regarding my community. Instead of getting the documentation from my previous servicer, Flagstar bank has sent a letter to me requesting the info. The sad part is you can't even upload the documentation thru website. I called customer service and it took 30-45 mins to route the call to an agent to understand what documentation is being requested. Also, the address in the document where Flagstar bank is requesting is a PO BOX and doesn't appear to be a legitimate address.

My concern is this bank might be running a scam by sending letters like this and then fraudulently signing up customers to insurance that is not needed. I'm not comfortable with the way in which the insurance documentation is requested with no proper means to collect the documentation.
Consumer complaint received 2021-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc. (LA)

On XXXX XXXX2021 a collection account from KINGSTON DATA AND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was reported on my transunion credit account without any attempt to contact me through phone or through mail about the debt. This is an old gym membership that closed and went out of business. I have tried to contact the number reported on my credit account and the number is out of service. Havent been able to contact this company to get this issue resolved and removed from my credit report.