davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NC)

This goes back to my previous complaint ( ID : XXXX ). After reviewing company 's response letter, I tried to call the phone number of that contact person but it always goes directly to voicemail. Besides, there has been no update regarding return my initial opening balance {$1000.00} back to me. Just to re-quote my previous description " I opened my account with TD through an online promotion webpage on XX/XX/XXXX and put a direct deposit from my XXXX bank account of amount {$1000.00}. The debit order went through my XXXX bank account and was transferred to TD account. However, since XX/XX/XXXX, I can not have access to TD online banking and was told there was some issue with my new account that I need to visit branch in person. But the closest branch is 3 hours drive and then I asked them to give back my {$1000.00} money. They refused and said I can not get my money back without visiting in person. ''
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
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: Credit Collections U.S.A., L.L.C. (KY)

Upon review of my XXXX  credit report, I noticed a collection account from Credit Collections Co., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. The amount was for {$150.00} from original creditor XXXXXXXX XXXX XXXX. As I did not recognize the account nor original creditor, I filed dispute with XXXX. 

XXXX XXXX dispute resolution was to add comment " Consumer Disputes This Account Information ''.

I then wrote the Credit Collections Company directly stating I have received no information regarding the alleged debt nor did I recognize the alleged original creditor. Requested them to provide written documentation of the debt. It has been 35 days since contacting them and I have received no information yet this remains on my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (DE)

These companies obtained my consumer report unlawfully violating a plethora of my consumer rights. Not only did they obtain my consumer report unlawfully they are reporting to the credit reporting agencies as inquires. These companies are XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

in XX/XX/2020, i had storm damage at my home where approx {$50000.00} in damage was done to roof, chimney and some interior damage. home owners insurance issued 3 checks made out to me, the public adjuster and carrington mortgage. we were told by carrington mortgage to send the claim checks to them unendorsed, which we did overnight. several weeks later after not having any correspondence from carrington, i called and finally spoke to someone who told me the checks were sent back to me for endorsements. i scrambled and got to the public adjuster who endorsed the 3 checks with me and we again sent them to carrington mortgage services overnight express mail. several more days went by and i started caling them every other day and got different stories from some people at carrington, some were helpful, some were not. as of today, i still have XXXX  funds from them. they claim they approved one check for {$4800.00} which is half the chimney invoice. the roof and chimney are completely repaired and now the contractors are pressuing me to get paid. i spoke with my " file owner '' a couple times and each time i do, he states some document is missing, etc. they have had this claim in their hands since XXXX. im not sure why they are just finding out items are missing. more work needs to be done inside the home but i have no personal funds left as i gave the contractors some funds to keep them happy,. please help me. i dont know what else to do.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

Refinanced my home too pay-off credit cards. all credit cards were sent cashiers checks and all but USAA took payment and closed accounts as requested in a few days. The first cashier check for {$8300.00} mailed by priorty mail on XX/XX/2019 and delivered and signed for by XXXX on XX/XX/2019. XX/XX/2019 I called USAA and they denied receiveing. I called title process company XXXX and they cancelled and re-issued a new check as per USAA agents precise directions overnight. Again signed for by XXXX. called USAA XX/XX/2019. They stated 10 business days too process the bank cashiers check extending the process until XX/XX/2019. I called XX/XX/2019. XXXX EXTXXXX executive resolution team confirmed the check was received but not processed and all not processed checks were immediately returned too sender. XXXX had not received the check back. XXXX the original processor again called USAA and Again cancelled and mailed another with the same information by overnite priorty mail. I count a minimum of 38 days past that USAA is charging 16.5 % on {$8300.00}. That check was issued by the re-finance for {$8300.00} when the the actual payment turned out too be {$8000.00}. I yet have no reply from this criminal USAA operation. 4.5 % is also being pd too refinance loan too on {$8300.00},
Consumer complaint received 2020-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

The PennyMacUSA mortgage company website has an online payment free login service. For months I have tried ( as have other customers ), to login and make an online payment. Every time I get to the point where I have ALREADY past verification codes, and security checks have been 'cleared ', the screen stays stuck at the 'successfully login screen '. The Green Check mark indicates login successful. Nothing changes. I can not access the 'Make a Payment ' screen and if you click on the menus up on the top, it 'kicks you out ' only to return you back onto the login screen. Nothing on the websites Home Page indicates one needs XXXX, XXXX, etc. My browser does have XXXX XXXX enable, no firewall or virus protection programs to block access. Even my security on my browser is minimal. I believe the company purposely does this in order to have customers use the 'Automated Phone Payment System ' which charges 'convenience fees '. Also if payment is made via Customer Service the fee also applies. The company is trying to make more money by having the NON - FEE payment method unavailable to its customers, especially at critical 'XX/XX/XXXX of the month ' period.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (FL)

Receiving automated/robocalls from XXXX onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Went to voicemail and automated call left a message saying they are Sequim Asset Solutions, LLC ( might be mispelled ) and they are trying to collect a debt. The first part of the message is cut-off so do not know who they are trying to contact so they could be trying to contact someone else since the number is somewhat new. I have never heard of the company and do not have any debts they could be calling to trying and collect on so it sounds like it could also be a scam to me.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

The Reason for my complaint is that I don't know what happened, One day I get a letter from Discover saying that my account is closed - Called several times to find out the reason they closed my account which only resulted in a letter saying they have done an internal review and decided to close my account. 

All I would like is an answer of why my account was closed, I was NEVER late nor have I defaulted on the account. If they have me linked with another account then I believe I should be aware of the situation. 

Opened the account in XX/XX/XXXX - until I was closed in XX/XX/XXXX credit line of {$13000.00} which I am still paying always on time Thank you
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Since 2021, my mortgage company has not paid the taxes that I escrowed. I have been served papers twice by the Sheriff and even sued by the county. The official lawsuit notice was served XXXX and immediately submitted to Select Portfolio Servicing. We had several warnings and were even served months prior. All documents have been uploaded via their online portal as well as sent via email. They have promised numerous time that it would be taken care of and they never did. I ended up paying the county out of my pocket on XXXX to avoid losing my home. I also had to pay the court fees that were incurred by the attorneys that file these suits on behalf of my county. Still, they won't address the situation, continue to apologize and give me " absolutely worst case '' dates which they routinely miss. Now I am being told that it could take up to 45 more days to pay me back. This all began in XXXX of 2021 and they could never figure out how to pay the taxes on the correct parcel #. With one phone call to the county, I was able to find out the correct parcel and make the payment in person. Basically they just aren't trying as they could have done what I did and have the expertise to handle it better than I am equipped with. I have now been forced to double pay my taxes along with late fees plus the court fees for a total of XXXX ( taxes, late fees, court costs and c/c processing fee ). 
I also missed a mandated court date XXXX as they refused to give me any documentation of them " trying '' to pay the taxes but having the wrong parcel #. I was told that I would have to subpoena them to get that information. So I couldn't even go to court on their ( and my ) behalf with evidence unless I subpoena my own mortgage company. They refuse to let me talk with the tax department or the disbursement department claiming that it is against policy. 
The account number on the loan is XXXX The address in question is XXXX XXXX  XXXX, XXXX TX XXXX
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (MN)

I have been consistent with child support in the state of XXXX XXXX XXXX XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have XXXX preloaded XXXX XXXX XXXX  with Bank of America. Both cards have expired. When I called them to get a check made out or a new card issued to me, they told me the funds are forfeited when the cards expired. They stated that these cards have an agreement with my employer ( who provided me the cards ) that the funds expire after the expiration on the card. I asked them to furnish the agreement to me so that I can validate their policy. They said they can not do that. It is completely inappropriate for them to take these funds as profit for themselves simply because the cards expired.
Consumer complaint received 2021-07-21
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. (AZ)

Equifax is showing that I have XXXX accounts with them ( revolving, mortgage, installment, other ) yet when I pull my report from MyFICO there is a score and a report with many accounts ( about XXXX ). I've tried speaking to Equifax and they are saying that I don't have any current accounts but this is untrue. I don't know why I can pull an Equifax report through FICO that is accurate but their own website is innacurate. I am closing on a mortgage in a couple of weeks and they can't generate a score due to this issue, therefore I can not get my mortgage at this point. The mortgage company was able to pull an Equifax report in XXXX of XXXX and XXXX of XXXX without issue.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX* Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with The United States Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Sent one month ago to no reply.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have paid my loan on time and have the screenshots to prove, however they report I was late to the credit agencies differently. I have tried disputing it and they report 90 and 60 day late payments but that is false. I have autopay and pay on time. Everyone of my credit cards and lines is paid as agreed and this one is dragging me down.
Consumer complaint received 2022-07-26
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. (SC)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-21
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. (OH)

i was in prison when identity thieft occur for XXXX XXXX, self lender in the amount of XXXX on XX/XX/XXXX i filed a FTC REPORT AND CONTACTED THE POLICE AND TRANSUNION ON XX/XX/XXXX TRANSUNION HAS NOT REPLYED AND HAVE NOT UPDATED OR REMOVED ACCOUNT
Consumer complaint received 2022-12-15
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. (NY)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2022-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Im here because I know my rights and Im exercising my rights. On XX/XX/22 according to the truth and lending act ( TILA ) Im not required to put any money/cash down when Im approved for financing but I was forced to do so XXXX $ cash was giving to the finance manager at XXXX XXXX XXXXXXXX XXXX which is a direct violation of my constitutional rights Ive since reached out to the dealership and no response no money back and also my annual percentage rate was changed after I signed the deal which is a direct violation of my constitutional rights under ( TILA ) and my financing agreement was supposed to come with insurance for protection in case of accident which it also did not.
Consumer complaint received 2021-04-14
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. (IL)

Reason # 1 : The tradeline is not reporting on XXXX  credit report. 
Per FCRA accounts must report accurately or they must be removed immediately. This is an inconsistency. XXXX  deleted the tradeline back in XX/XX/2020. I have documentation as well. 

Reason # 2 : The original lender verified the account was purchased by XXXX XXXX XXXX, XXXX ( XXXX ). XXXX investigated and closed the account. As well as sent the credit agency 's documentation back in XX/XX/2020 to delete the account. I've sent in documentation from the original creditor and XXXX  to show proof as well. The tradeline is still presenting on my credit report. The credit bureau is refusing to delete the tradeline. This was over a year ago.