davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.
Consumer complaint received 2018-08-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.
Consumer complaint received 2018-08-26
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 — Problem with personal statement of dispute
Company: SUNTRUST BANKS, INC. (VA)

Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.
Consumer complaint received 2018-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

The incident occurred Saturday night XX/XX/XXXX. I woke up the next morning ( XX/XX/XXXX ) and noticed that I did not have my debit card and there were 4 unauthorized charges on my checking account. Two ATM withdrawals ( {$200.00} & {$240.00} ) and two charges at XXXX XXXX in XXXX ( {$1000.00} & XXXX ). I called Chase immediately to file the claim and cancel my card. They cancelled my card and sent me a new one, and I was told a claim was filed to dispute the charges and I would be notified with updates. I called back the next day to check the status and I was told that their system was down and I needed to refile the claim. While on the phone the second time, they logged two separate new claims for me, one for the ATM withdrawals and one for the XXXX transactions. I received a temporary credit for the full amount. Two weeks later all temporary credits were reversed. I called in to understand why, they told me that the claims were denied because whoever used my card had my PIN, along with some other reasons that I felt were less than satisfying. I have never told or given my debit card PIN to anyone. I went in to a Chase branch to try to gain some more understanding and the banker attempted to re-open the claim, but was told that they can not re-open it because the person who had my card had my PIN, and I ultimately was told there's nothing I can do. Now I am out {$2400.00} and I don't know what else I can do, but I feel that I am owed this money and Chase was less than helpful in supporting my fraud claims.
Consumer complaint received 2018-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (FL)

This company is in violation of Fla Stat 559.715 which states " a letter of assignment must be sent out within 5 days and the alleged debtor must be given 30 days to dispute validity of a debt prior to lawful collection activity being commenced. '' Balanced healthcare did a soft inquiry on XX/XX/XXXX ( which clearly violates the statute in question ) when most of my medical debts either have been pd in full or are on pymnt plans. 
I haven't received anything from this agency and last time they tried to collect on a debt it was to have gone through my insurance ( since i have ambetter from sunshine health since XXXX of XXXX ) The only 2 med debts i owe is to XXXX XXXX and to XXXXXXXX XXXX XXXX. Both of these are on pymnt atrangements and i have proof both have been pd on month after month. 

XXXX XXXX XXXX XXXX has been pd in full since XX/XX/XXXX ( i have proof showing the debt from this organization is at a XXXX bal ) .All XXXX XXXX XXXX bills have been pd in full through north amer credit services.
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XX/XX/2019 XXXX in the XXXX, I called my mortgage company, Carrington Mortgage and made an escrow information request which was denied. 
I spoke to XXXX who denied the request and then to her boss, XXXX, who also denied it. Saying there was a " moratorium '' on escrow amount requests.
Consumer complaint received 2018-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

XXXX XXXX is collecting and reporting a debt to the credit bureaus when I do not owe. XXXX XXXX is unable to furnish me with a contract that I had with XXXX XXXX and therefore is infringing upon my rights as a consumer.
Consumer complaint received 2018-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

I have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (WI)

Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.
Consumer complaint received 2023-08-16
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: CCS Financial Services, Inc. (SC)

A company named CCS has placed a collection account on behalf of XXXX on my credit report. It's in the amount of {$410.00}. I have never had an account with XXXX. They confirmed this via the XXXX  complaint that I filed with them, but they failed to provide this information on a letterhead. The response given to me was that they contacted CCS to remove it from my credit report. I also filed a XXXX  complaint with CCS. They responded asking me for the " account number '' that I do not have for the collection. And they have yet to respond back. However, I've been working with XXXX XXXX theft. With that team I have called CCS and they too confirmed they do not have an account for me. They used my social security number, driver 's license number, maiden and married name, and address and were not able to locate an account for me. The same information was provided to XXXX and they too were not able to find an account for me. When I did file a dispute with XXXX they came back and told me the collection was valid although both companies say it is not.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account 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 accounts or information which is found to be opened due to identity theft. The dispute 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 Date Opened XX/XX/2014 Balance {$3400.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-12-06
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)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2018-08-27
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: TD BANK US HOLDING COMPANY (MA)

I have a ( hard inquiry ) on my XXXX  report from TD Bank reported on XX/XX/XXXX. I called XXXX, they said, I needed to call TD Bank so the can re-report the mistake or else it is going to remain on my report for 2 years. I called TD Bank, then TD Bank says, they have no record and no information and I should call back XXXX to dispute and delete it. They both blame each other and telling me the other party should and is able to initiate the deletion. 
I do NOT have a TD Bank Credit Card account, never applied for any kind of Credit, never applied for any sort of loan or any third party that is affiliated with TD Bank. My final hope is to contact you ( CFPB ) to see if you can investigate and somehow ask XXXX to remove this hard inquiry from my report because it is affecting my score for another year or so. Thank you! 

Copy of XXXX report : TD BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2018-08-27
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: Fidelity National Information Services, Inc. (FNIS) (CA)

In XXXX XXXX California on XX/XX/2013, a previously unknown third party or person asked me to deposit a check in my checking account with XXXX  XXXX XXXX, he said that he has cashed his last allowed check at the XXXX XXXX XXXX XXXX XXXX XXXX, and that this was his last check and that he needed some money. I deposited it and the check did not cleared. It may have being stolen by that party from another, or altered in some manner in a way that I was unable to recognize. XXXX  XXXX XXXX frizzed my account they said for my protection, later on few days later they closed my account and reported me to Chex Systems ; and XXXX  XXXX that the account was closed for fraud activity ; intent to commit fraud ; fraud, or intent to transact in an illegal no allowed transaction in an an-authorized manner. This info has being on my reports for more than four years preventing me from open an account with another financial institution, personal or business, no even a savings account for my corporation ( XXXX XXXX , XXXX ) In many occasions I have disputed it, but XXXX XXXX XXXX, Chex Systems and XXXX  XXXX have refused to correct and remove the information.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been trying to work with Portfolio Recovery trying to get my debt settled. I had an original balance of {$590.00}. I have since then paid 51 % of my collection amount, now owing {$290.00}. I have been writing and calling this company numerous times asking if they will work with me on lowering the amount. This company is refusing to work with me. They have called me several times asking for payment and threatening to remain on my credit report.
Consumer complaint received 2021-11-03
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. (NV)

I'VE CONTACTED THESE COMPANIES IN REGARDS TO RANDOM ACCOUNTS THAT APPEAR ON MY REPORT. I'VE CONTACTED THEM AND HAVEN'T HEARD ANYBODY BACK IN WELL OVER 30 DAYS.
Consumer complaint received 2023-03-23
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: ERC (IL)

Last 4 of XXXX RE : XXXX Dear ENHANCED RECOVERY CO L : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOD OF CHARGE OFF XXXX : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX XXXXThat made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXX XXXX. It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX XXXX that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.
Consumer complaint received 2022-07-09
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. (PA)

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX USDOE/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. StatesI have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-10
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: CORELOGIC INC (IN)

I contacted the three major credit reporting agencies at the beginning of XXXX to inform them of 71 total inquiries on my credit report that I was not aware of, or I didnt authorize. I have some serious concerns that I may be a victim of identity fraud and I am in the process of following the proper procedures for that. I have been a victim of this in the past in the spring of 2016 and these seem to be the same signs only more extreme in this situation
Consumer complaint received 2018-08-27
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: Innovis (FL)

This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  credit card. XXXX needs to take off XXXX XXXX XXXX, XXXX has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, XXXX XXXX, XXXX. Please add the good standing on my reports if not already done so.
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act 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 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 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 has violated my rights.

15 U.S.C 1681 Section 602 A. StatesI have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.