davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Consumer complaint received 2024-03-06
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (MN)

Prior to XX/XX/2023, I began the process of re enrollment, and on the date mentioned I was made aware by XXXX  XXXX XXXX that I had a collections holding up my re enrollment. I was provided the number for a Resolution company, who in turn referred me to Real Time Solutions for the collections. The amount owing on my account was over {$1000.00}. I advised I could not pay that amount as I was just finding out about the debt and I asked for verification, which was sent. 

I called my enrollment advisor ( XXXX ) at XXXX  XXXX XXXX. Who advised that if I made a payment arrangement, they would provide the information to the school and then I would be able to continue enrollment to begin XX/XX/2023. I then called Real Time Solutions back and they advised the information I received was correct and they would notify the school ( and myself ) that an agreement had been made on the account. Since there was urgency to start on XX/XX/2023, I moved things around to make a payment of {$200.00} on XX/XX/2023 and the remaining resolution amount of {$510.00} in XXXX, based on a settlement amount of {$710.00}. Payment was processed the following day. 

As of XX/XX/2023, I had not received a call from XXXX  XXXX XXXX nor a email from the collections company regarding the arrangement. I called the school on XX/XX/2023 and was advised by XXXX that they had not received the information from the collections agency yet. So, I called Real Time Resolution. I spoke to a representative that advise they would not send anything until the account was paid in full, which negates my necessity and reason for making that rushed payment in order to start classes on XX/XX/2023. I then called XXXX  XXXX XXXX back, and was told that was correct. This is the definition of deception, and should not be allowed as my payments were made by way of deception from both XXXX  XXXX XXXX and Real Time Resolution. Both the University  and the collection company should be ashamed of themselves.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

I've sent specific documentation and requests to this company, 'XXXX XXXX '. They closed the account as a result of them failing to provide any contracts or documents bearing my signature proving that the account belonged to me. According to the FCRA Section 623, this account must be permanently deleted from my credit report immediately. It is your responsibility to send a deletion request to the bureau 's. Failing to delete this account would put you in violation and I may pursue legal action. XXXX agreed to cease all collection activity because the account wasn't mine and neglected to delete the account from my credit report.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TN)

I have been trying to contact SageStream since XX/XX/2019 in regards to placing a security freeze on my account. I called several times in XXXX and didn't get an answer. I left voicemails and no one ever returned my calls. After that, I sent a fax requesting a security freeze to be placed on my account as well as a copy of my SageStream credit report. I was never mailed anything so I don't know if a security freeze is currently on my account. I continued to call them and leave voicemails through XX/XX/2019 to check on the security freeze that I requested. No one ever called back. I called them last week and left a voicemail and still no returned call. Filing a complaint is the only thing I can do. This company is horrible.
Consumer complaint received 2020-02-06
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 — Their investigation did not fix an error on your report
Company: AFNI INC. (CA)

XXXX XXXX XXXX is selling unverified debt to AFNI, INC, there is no contract in place for either one of these companies and they are reporting this unverified debt as being accurate.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

Receiving letters from XXXX XXXX claiming I owe almost {$6000.00} on a XXXX XXXX  XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX  balance. I havent had an account with them in decades.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I called to advise that i can no longer make payments. I was told by the representative that they would still debit my account. The amount that they charge is XXXX every 2 weeks. It was a huge mistake to get this lian. The rates are 385 % which is well over the states allowed fees. Tgis was  for a XXXX dollarloan. Over the course of 5 months, i have more than paid off this loan.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

RECEIVED A CALL FROM XXXX @ CARINGTON MORTGAGE AT XXXX TODAY .AFTER SHE VERIFIED INFORMATION SHE STATED THE CALL WAS BEING RECORDED .I STATED I DO NOT WANT TO BE RECORDED AND CALL ME BACK ON A NON RECORDED LINE.AT XXXX SHE CALLED BACK FROM A XXXX NUMBER AND VERIFIED INF AND SHE BEGAN TO ASK ME WHY I WANTED A NON RECORDED LINE.I STATED I DO NOT HAVE TO GIVE A REASON AND SHE KEPT BADGERING ME AND TRYING TO COERCE ME TO SPEAK ON A NON RECORDED LINE.SHE STATED WE CAN NOT ASSIST IF BASICALLY DONT TALK ON NO RECORDED LINE.I TOLD HER I REQUESTED TO SPEAK ON A NON RECORDED LINE FOR MONTHS IN WRITING VIA CERTIFIED MAIL AND EMAIL AND BORROWERS ARE BEING PROHIBITED NOW TO DISCUSS HOME RETENTION LOSSMITIGATION OPTIONS BECAUSE WE WONT SPEAK ON A RECORDED LINE, THIS IS AGAINST THE LAW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
borrower has DEFINITIVE PROOF THAT A NON RECORDED LINE TO SPEAK ON HAS BEEN REQUESTED FOR MONTHS BORROWER PLANS ON A SUBPOENA THIS 2ND PHONE IN ITS ENTIRETY CALL FOR IT DISPLAYS THE EGREGIOUS PATTERN OF CONDUCT AND DEMONSTRATES CLEAR VIOLATIONS OF THE LAW BY XXXX AT CARRINGTON
Consumer complaint received 2020-02-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) , 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by Transunion & XXXX  regarding the reporting by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX. Transunion & XXXX  has NOT conducted a proper investigation. Transunion & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX has failed to report to XXXX  that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. Transunion / XXXX  & XXXX XXXX XXXX has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. XXXX XXXX XXXX has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. Transunion & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

You have helped me before with this situation. I made a purchased through XXXX  who uses Synchrony Bank to handle their credit services. My payments were not being posted and they made a comment on my credit report. The company was able to resolve the issue and started posting the payments appropriately.. This month they stated they did not receive my payment again. It was sent out on XX/XX/22 and cleared the bank. When I called to explain this happened before and it was on their end, they keep saying they did not receive the payment. I have one more payment to go after this one. It is almost paid off. The offer was 12 months same as cash and I am paying it off earlier. I do not want them to make me pay back interest.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I recently won a court order to have this account with USAA fed bank to have all information removed from my credit file in regards to this account. I have made several attempts to have this situation handle without involving consumer financial protection bureau. I have attached a copy of the final judgement dated XX/XX/2020.
Consumer complaint received 2020-02-06
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. (CT)

The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/XXXX, after complaining about an UNAUTHORIZED CREDIT INQUIRY by Quicken Loans, a Quicken Loans employee named XXXX XXXX retaliated by sending me a text from phone number XXXX that violated the Telephone Consumer Protection Act. In that text, after mocking my concern about my credit report, Mr. XXXX attempted to solicit me for debt consolidation : " Let me know if you want to consolidate all that CC debt! '' I don't know how Mr. XXXX gained access to my private credit information after I made it clear to Quicken that I did not authorize a credit inquiry. I would expect them to keep sensitive customer information secured. 

My privacy was violated when Mr. XXXX used that information to solicit me by text for debt consolidation services.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (AZ)

I have had a Cerulean card by XXXX XXXX for two months now. The first month I tried to make a payment ( the card had an automatic {$99.00} balance ) I was not allowed to make a payment online. I called in and made a payment by phone and was told they would wave the {$10.00} charge for making payment by phone. so next payment is due XX/XX/2020 Again tried to make a payment and was given the same error message as the first time. ( Error 3811 Credit Account not Authorized to use this application for ACH. This account is marked as unauthorized. Please contact customer support XXXX. ) I call customer support and try to make a payment via the phone system. I enter my banking info and then I'm transferred to customer Service. I'm told that they would wave the {$10.00} fee this one time and then I thought the payment was made ... received an confirmation email and everything. The funds are still not out of my bank account and I got an email from the credit card company say that my payment was declined. There is no activity at all in my bank statement and the bank said that they did not receive a request for payment. I just want to be able to pay my bill, should not be this hard.
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC (CO)

I received a phone call from XXXX on XXXX20. The woman said her name so fast that I could not understand it. She said my name and I told her that it was me, and then I asked who was calling. She simply asked me to confirm the last 4 of my SSN. I told her that I was not going to provide that information over the phone. I again asked her what the call was in regards to and she would not provide me with that information. She once again asked me to confirm my SSN and I told her no. She then stated " well, then I will take that as affirmation of gainful employment '' and proceeded to hang up on me. Today I received a call again but did not answer the phone. They then proceeded to call my husband on his cellphone and reiterated the same thing. He also refused to give out any of my information and they hung up on him as well. I contacted XXXX XXXX to ensure my information/identity had not been compromised and they stated that they did not see any suspicious activity on my account. I have no unpaid debts. I did look up this number and found multiple complaints of this being a scam. I have filed a report with XXXX XXXX, I have also filed a complaint with the XXXX  as well. If this was a legitimate debt, they would not be harassing/menacing/rude/disrespectful.
Consumer complaint received 2020-02-06
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. (CT)

The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

when I was informed of these cards I tried to inform and dispute them and they wont remove them. I went through identity theft and have fraud alert and security freeze on my files. I just want them off my report please. thank you
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc (AZ)

I have reached out to this company multiple times about this situation and at this point Im about to bring it to court. I have emailed and called informing them that I was not the one who signed up with their plan or whatever it is. I also told a week prior to that my personal information had got out including my social security number, phone number and email. I have did two forms now saying that someone stole my information and I spoke to a representative about it and they told me that it would be taken care of because I was able to prove it wasnt me because they didnt have my correct address. I stopped receiving emails from them after I did the second form and the man said the account would get turned off. So you guys need to stop associating me with whoever did this to me and reach out to the company.
Consumer complaint received 2020-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

After experiencing a hardship associated with the wildfires which affected my employment in the XXXX XXXX Area in XX/XX/2019, I made every attempt to secure a Natural Disaster Forbearance with my loans serviced by FIRSTMARK SERVICES, owned by XXXX  XXXX. While all of my other private student loan lenders were willing to work with me, FIRSTMARK SERVICES were unable or unwilling to assist me with a Natural Disaster or Administrative Forbearance on the technicality that the disaster was declared as a FEMA Emergency as opposed to a disaster. I had been previously advised by a FIRSTMARK Representative that I would be able to be placed on an Administrative Forbearance as an exception given the severe hardship the disaster had on my employment, but was disconnected and future representatives were unable to assist me with this information or a forbearance. Again, it must be stressed that all other private lenders were willing to assist me during this difficult time, and FIRSTMARK SERVICES Should stand by their customers during these times as well. 

As a student borrower whom has experienced severe hardship as a result of the natural disaster as previously noted, it is very disheartening that FIRSTMARK SERVICES is unwilling to place my account in a Natural Disaster or Administrative for the 3-6 month period as previously promised for these types of disasters, which has caused significant hardship for myself and family. At this time, I am requesting immediate assistance from the Consumer Financial Protection Bureau in assisting me with the placement of these loans on one of the forbearances as requested during this very difficult time.
Consumer complaint received 2015-09-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Trust Management LLC (TN)

The company XXXX XXXX XXXX has made repeated calls to my employer, my family, and my friends claiming I owe a debt and need to call them back. 

The number is XXXX xXXXXName : XXXX XXXXThey have not sent me any correspondence via mail about this alleged debt. It is to the point of harassment. They call 3-4 days a week.
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Recovery Service Incorporated (NJ)

Prior to XX/XX/XXXX, i received a call and a letter attempting to collect a debt that had outlived its statue of limitation. I wrote the company and asked them not to contact me again. Today XX/XX/19 they called again.
Consumer complaint received 2020-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.