davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This marks my third attempt to address a persistent concern regarding the disputed account with XXXX XXXXXXXX XXXX, Account # : XXXX. This is the sole inaccurate item on my credit report, and despite my previous efforts, I have yet to see any resolution from XXXX and TransUnion in their reinvestigation process. 

I am unhappy by the lack of progress, particularly when compared to XXXX, which promptly removed the disputed account on XX/XX/2023. This inconsistency raises questions about the process and methods employed by XXXX and TransUnion in verifying this account. If they are sourcing information from a single provider, why is there a discrepancy in the reported details? The lack of streamlined communication among the credit bureaus and the original creditor adds to my frustration. 

I am reaching out again, seeking your assistance in resolving this matter. I believe in the fairness and accuracy of credit reporting, and the current situation has left me questioning the intentions behind the handling of this dispute. I kindly request your immediate attention to this issue to ensure a swift and accurate resolution. 

Your cooperation is highly appreciated, and I look forward to a positive resolution to this ongoing concern.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$100.00}
Consumer complaint received 2019-06-25
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 obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit report.
Consumer complaint received 2023-10-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Credit Exchange Corporation (CA)

XXXX XXXX XXXX reported to the creditors XX/XX/2016 for a auto loan for XXXX on my credit report PACIFIC CREDIT EXCHANGE bought my collections from XXXX XXXX and its reporting on my credit report twice same amount different names I do not have a contract with pacific credit exchange. they did not provide me with the original contract as I requested 6 months ago
Consumer complaint received 2023-09-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

XXXX. Opened a no-penalty CD around XX/XX/2023 ; XXXX. Closed the non-penalty CD around XX/XX/2023 ; and XXXX. Did not receive the full interest earned upon CD closure. 

I called customer service several times regarding the lost interest earned. The lost interest was significant. CSR told me that tax was withheld but I did not choose to withhold tax at withdrawal when the CD was opened. The lost interest amount was even greater than the associated " taxes '', assuming it was withheld. 

I asked XXXX for the signed XXXX XXXX trying to show them I did not choose to withhold taxes. XXXX said that they could not provide it since my CD account had already closed. 

They created a couple of tickets to address but the contents of the tickets misled.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (DC)

I received texts and emails welcoming me to Chime Banking followed by a debit card in the mail. 

I did not open the account. 

Contacted Chime and closed the account, which took quite a bit of time as they wanted me to provide personal information I was unwilling to disclose. 

It seems like the company is using account creation as a marketing tool.
Consumer complaint received 2019-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have been receiving numerous phone calls a day from them, all from different phone numbers. Sometimes upwards of 5-10 calls a day. Sometimes more. I have started blocking these numbers, but the calls have gotten so out of hand I can't keep up with them anymore. I have checked my credit reports and I don't see one collection acct on there from Portfolio Recovery. I then sent them a cease and desist letter requesting them to not contact me by phone, mail, email, etc. I am still getting numerous calls a day even after the letter was sent.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stallings Financial Group, Inc. (GA)

There was an outstanding balance owed by my ex-wife at a dentist for our children. The dentist forwarded the debt to a debt collector in XX/XX/XXXX and when I was contacted I immediately payed the debt. In XX/XX/XXXX the debt collector added a collection to my credit report for {$720.00} and refuses to remove it. I contacted the dentist office and they report they have not received the money I paid to the debt collector. Also the balance was only {$470.00} yet I paid {$610.00}. The dentist office was supposed to take care of this error but they refuse to answer my phone calls and the debt collector hangs up on me.
Consumer complaint received 2021-02-11
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: I.C. System, Inc. (NV)

I recently checked my Consumer Report and noticed that a change was made on my report. It states that I C Systems was removed from my report and I gained 1 point. I disputed this item last year which wasn't deleted and now after another dispute it has become deleted. I would like to know what was the purpose of the deletion. According to 15 USC 1681 n and 15 USC 1681 b ( 2 ) they are in Violation. I never gave them permission to report anything to them and Pursuant to 15 USC 1692j. I am asking for remedy of XXXX by Check Only.
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (NY)

In 2014 I was living in XXXX and laid off, NY department of social services paid my utility bills and I paid them back. Numerous collection agencies tried to collect on the debt and I submitted proof to CFPB years ago and CFPB even forwarded to FTC. All was removed years ago from my credit reports. Today all 3 credit bureaus are reporting this as a debt  collection from Harvard collections in the amount of {$570.00}. I called them and they stated this is the same debt owed from 2014 that was paid and now is hundreds more. This was paid by the department of social services of NYC over 6 years ago.
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: Experian Information Solutions Inc. (FL)

Experian placed a fraud alert two days after I had one removed from XXXX. I did not place a fraud alert with either agency. XXXX removed the alert immediately upon me contacting them to do so. When I called Experian to have it removed I asked why was a fraud alert placed on my report without my authorization. They claim because XXXX  was reporting they would do the same. I explained to them that XXXX already removed the alert and that they should please do the same. That was on XX/XX/XXXX. I mentioned how imperative that they so because I have a closing on my new primary residence on XX/XX/XXXX. The man that took my information said that I answered the security questions incorrectly and that I would have to upload proof of identification. This is after I already proved my identity with ss # DOB, Current address, and previous address and employer and phone #. As you can imagine I became very irate and demanded that this alert be removed from my credit report. I then complied on XX/XX/XXXX with a letter and copy of my driver 's license and uploaded to their website. The information was received by then on that date. I called back today to inquire about and get an update on my status since my lender has informed me that this is the only thing keeping me from getting my clear to close. So explained that to the person who answered my call today and to please remove this fraud alert. I called in today and explained this to them that this was happening and I was hung up on 4X '' s. This is unacceptable and when I finally was able to speak to someone the man I spoke with said that they still did not receive my documents needed to remove the alert. As you can imagine I lost my cool and explained how this could possibly be. I really feel that they are playing games with me and making a mockery of me because I called out a few of there employees on how unprofessional they were. Can you please into this practice by Experian and see if it's on going problem. This could cost me several thousand dollars if I am not able to close on time. Since the seller is leaving the country for 3 weeks on XX/XX/XXXX.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services (IA)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BCI FINANCIAL GROUP, INC. (HI)

RE : XXXX XXXX XXXX  XXXX XXXX. XX/XX/2023, online CD account application filed. Uploaded my state drivers license front and back of license. 
XXXX. Used my pc camera for facial recognition shots including right, left side of face. 
XXXX. XXXX was denied stating : " we can not provide more information due to privacy and anti-fraud considaerations. ''
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC (FL)

The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as Skytrail Cash and XXXX XXXX, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of 2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 2023-06-20
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. (TX)

I submitted a dispute to all 3 credit reporting agencies that this account opportune was paid in full and they have not removed this account off of my report as paid. I have attached the paid in full letter.
Consumer complaint received 2019-06-25
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: Experian Information Solutions Inc. (FL)

i obtained my credit report from experian and seen inaccurate information with companies i had no dealings with. upon my further investigation these companies claims i owe money to them for services i have no knowledge of. this company refuses to furnish me anything validating and verifying that this debts belongs to me. experian fails to provide me with proof of their investigation methods according to the facta and fdcpa laws this is hurting my credit rating and my livelihood and ability to provide for me and my family. my XXXX kids and myself.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX XXXX XXXX, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from XXXX XXXX on same day of the Loan 3. Mortgagor XXXX XXXX passed away. 
4. Mortgage payment getting delay. 
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation. 
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage. 
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and MTGLO Investors, LP as the Owner of the Loan 13. On your letter XX/XX/XXXX, Rushmore indicated she is servicer of loan and the owner of the Loan is XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX, Phone # is XXXX 14. On XX/XX/XXXX, CFPB officer asked me to find exact Name of the Owner of the Loan, Website Address, Mailing Address and contact Phone Number, Ive Called the above Telephone Number given by you is the XXXX XXXX not XXXX XXXX XXXX.
Consumer complaint received 2019-06-25
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. (TX)

These accounts keep popping back up on my credit after they have been deleted, dispute dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX # XXXX
Consumer complaint received 2020-02-08
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: Experian Information Solutions Inc. (IL)

hello, experian & XXXX is refusing to re investigate an inaccurate item on my credit file.i have asked for the contract from the original creditor, they are unable to provide me this information.
Consumer complaint received 2020-02-08
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: Experian Information Solutions Inc. (NV)

To whom it may concern, I was notified on XX/XX/XXXX of 2020 from Experian that a creditor by the name of " XXXX XXXX '' had been verified as inaccurate after investigating and would be deleted off of my credit file. However I have recently logged in on XX/XX/XXXX of 2020 after my new Experian credit report was released and I am still seeing this creditor on my credit file which means Experian has not kept their word and again are not handling their business properly under the FCRA. Experian has already done their investigation and now I'm still being hindered and punished by Experian and their bad business practices. Under the FCRA law anything unverifiable or inaccurate must be removed within 30 days of the dispute by consumer. It has now almost been a month since I've been notified that XXXX XXXX was being deleted off my credit file and nothing has been done. I hereby make Experian aware that by FCRA law they now have 15 days from the date of this letter to uphold the statement and promise they made to remove " XXXX XXXX '' from my credit file! This is unacceptable and again against FCRA rules and regulations. I expect the removal of this creditor within 15 days. I have also attached the notification from the Experian website in regards to the removal. Thank you.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFM Group LLC (NJ)

my business closed the merchant account with the XXXX XXXX  XXXX at the end of XX/XX/2019, and they said they'd send the email for return merchant card machine to my email. But I didn't received it at all after 3 weeks, so I called them back XX/XX/2019 and they sent the information, it was sent to the junk/scam email box. I sent the machine out XX/XX/2019 and was delivered on XX/XX/2019 at the XXXX office as they required. yesterday XX/XX/2019 I was called so many times by debt collection company CFM ( Capstone Financial management, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, ( XXXX ) XXXX ) for asking to pay the charges over {$2000.00} for not return the merchant credit card machine to XXXX XXXX XXXX ( XXXX ) firm. The CFM and XXXX didn't send me any notification letters about the debt and not receive the machine for 4 months from the date I closed my account with XXXX and sent the machine back to the XXXX. The Capstone Financial firm did illegal/fraud action when calling my store to ask money as I know the debt collection firm will always send the notification letters details about the debt collection, reasons, company information, .etc.. .They waited for long time so they could try to scam to get money from me cause they know it's hard to track the shipping and with the USPS ( just 120 days for tracking records ). I received the email from Total merchant on XX/XX/2019 for information of return machine, and this email was sent to the scam/junk email ( I didn't know what wrong with the XXXX firm, like scam firm ), i had to move that email to my normal email box. I had all records for shipping sent out on XX/XX/2019 and the package was delivered at XXXX office on XX/XX/2019. Please help me to investigate and audit these 3 businesses ( XXXX XXXX XXXX XXXX, Capstone Financial management XXXX, XXXX XXXX XXXX XXXX ) and please Help me solve this issue, give back the right for me and my business 's reputation as my business didn't owe any money or equipment to these companies. And keep these companies away from trying to scam money from more people, more businesses.
Consumer complaint received 2018-01-12
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. (MS)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX XXXX :XX/XX/XXXX 3. XXXX XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX : XX/XX/XXXX6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX10. XXXX XXXX XXXX : XX/XX/XXXX