davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding LLc is claiming I owe them more then {$2900.00}. This debt was paid to XXXX XXXX  in full. XXXX deleted this from my credit reports with a promise to pay then months later I get a phone call from Midland Funding LLC call my work which I am not allowed phone calls at work telling me I owe more then {$2900.00} to them from XXXX told them not to call my work ever again all correspondence must be sent by mail ask them to send me Proof I owe this money proof I never paid this debt and all purchases made on this account have yet to get any information at all other then a bill from Midland Funding LLC they still continued to call this debt was paid in full I do not owe this debt
Consumer complaint received 2019-04-16
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. (CA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on DPT EDXXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6, 7, and 8 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (MD)

XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act. I filed another complaint against them back in XXXX, but I still have received no verification of debt.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2019 I applied for and was approved for {$5100.00} a Debt consolidation loan from XXXX XXXX XXXX located in XXXX XXXX illinois, on that same day I went to My local XXXX to make a payment of {$5100.00} on My Walmart credit card. My payment was submitted to Walmart and a receipt was issued to Me from Walmart noting payment. On the XXXX of XX/XX/2019 it was discovered by Me that Walmart did not post My payment made on the XXXX of XXXX for the amount of {$5100.00}, in fact only {$19.00} of My payment was posted. Walmart refused to explain to Me where My money went nor assist Me on the matter. Upon following up with XXXX XXXX XXXX on the matter I was furnished with copies of My payment to Walmart for the amount of {$5100.00} which cleared on the XXXX of XX/XX/2019 and was not posted to My account. 
Further follow up 's with Walmart to this date have resulted in further complications and no resolution to My issues
Consumer complaint received 2019-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC (MD)

Online loan on XX/XX/2019 for {$800.00} and have paid {$850.00} at $ XXXX since that occurs on payday. They said I still owe {$850.00} if I pay off today. 

I found on Maryland web site that payday loans are not legal in my state. The rep I spoke with vas VERY demanding and said this is not a payday loan even though their website says it is. 

PLEASE HELP! Any advise you can give would be greatly appreciated.
Consumer complaint received 2018-08-24
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. (TN)

On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

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

- 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information of any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonanble cause to believe that the information is inaccurate. 

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 2019-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (FL)

The account has been illegally re-aged. This debt is from XX/XX/XXXX and has been re-aged on my credit report to state XX/XX/XXXX. Furthermore, I have not received any communication about this debt until it was brought to my attention during my security clearance application. I want the debt erased from my credit report immediately.
Consumer complaint received 2024-03-01
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. (IL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX i opened an account with Truist bank. Febraury XXXX i sent a deposit via XXXX of {$50.00} to fund the account. few days letter i received a letter from the fraud dept informing me that is effective immediately it is necessary to close the account and for me to immediately cease use. Letter states if funds are remaining in the account a check XXXX be mailed to the address on file if not collected at a branch within XXXX business days. 

The account is still open and has been charged 4 months of banks fees at {$12.00} a piece so as of today XX/XX/XXXX there is {$2.00} in the account. obviously no check has been issued in the 163 days since their communication informing me of the account being closed and the funds being sent to me. I call and they are unable to close online and tell me to go to the branch. When i go to the branch they tell me a check will be mailed. nothing happens but Truist stealing my money in form of bank fees.
Consumer complaint received 2019-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (RI)

On XX/XX/2019, I received my monthly SSI deposit to my Direct Express debit card. I happened to be up around midnight and saw the deposit appear. A few minutes later I saw mysterious charges being made which I will outline below. P.S. I live in Rhode Island and was no where near Florida  : XX/XX/2019 Deposit from SSA - {$2300.00} -- -- -- -- Fraudulent withdrawals and purchases : XX/XX/2019 XXXX XXXX FL - ATM {$1000.00}, XX/XX/2019 XXXX XXXX FL - ATM {$500.00}, XX/XX/2019 XXXX XXXX FL - ATM {$.00}, XX/XX/2019 XXXX XXXX FL - ATM {$23.00}, XX/XX/2019 XXXX XXXX FL - ATM {$.00}, XX/XX/2019 XXXX, XXXX, FL {$500.00}, XX/XX/2019 XXXX, XXXX, FL {$360.00}, XX/XX/2019 XXXX XXXX FL - ATM {$80.00}, XX/XX/2019 XXXX XXXX XXXX FL {$3.00}, There are no other purchases/withdrawals made in Florida as I closed the card IMMEDIATELY upon watching the account get drained. All other charges on my card are mine. I just noticed the XX/XX/XXXXcharges - apparently, whomever did this made these purchases a few minutes prior to the XX/XX/2019 monthly deposit. 
I have NEVER given my card or card number to anyone in FL. I don't know anyone!! These charges are so clearly fraudulent and it is extremely upsetting that this situation remains unresolved. I've had to take a loan from my bank to pay my rent, my bills, food, etc. SSI is my only income. I have XXXX XXXX  and am unable to work. I pray this can be resolved.
Consumer complaint received 2019-05-26
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: Credit Plus Inc (CA)

I filed a police report report number XXXX for the Unauthorized inquiry from Credit plus on my credit report on XX/XX/2019. 
This inquiry was not authorized and I do not know where it comes from. I already have a mortgage so this is invalid. Remove now or I will take further legal action.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (NC)

This company, XXXX XXXX XXXX was to ONLY given permission to do a soft pull on my credit report as they ONLY ASKED for the last 4 of my social security number. This isthe only reason I did this, if I was informed it was a hard pull I would NEVER have done this. I want this hard inquiry immediatelyremoved from my Equifax report. This is a violation of my rights under the FCRA.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

This is in regards to the previous complaint filed with the CFPB, XXXX. I asked LexisNexis to update my Current Carrier insurance report with all the policies I have had for the past 7 years since there were gaps on my report and I have not had any insurance gap. I contacted all the insurance companies I have had and compiled a PDF with the Declaration pages for each and every single Policy I have had and sent it to Lexis Nexis so they would updated the missing ones. Not only I was forced to contact the CFPB since they ignored me when I contacted them directly, but now I receive an " updated '' report which is still missing over 10 policies.
Consumer complaint received 2019-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Carrinton Mortgage was paying on two home owners insurance, in XX/XX/XXXX they were notified of that policy being closed, Carrington was given the correct insurance company which was XXXX XXXX. Again in XX/XX/XXXX Carrington Mortgage company was paying a insurance bill on a closed policy with XXXX XXXX in XX/XX/XXXX after i had put them on notice in XX/XX/XXXX. Due to this irresponsible error, my escrow account is - {$3500.00} and my house payment went from {$800.00} to {$1200.00} and they have me in arrears, due to the inflation of house price. I have put this company on notice twice, I do not believe this is my place, they have been notified and now my credit shows i am behind, which i am not. Then I receive a registered letter on XX/XX/XXXX of intent of foreclosure, when I called XXXX  the CSR says I do apologize! This is clearly this mortgage company 's error, XXXX  said when carrington receives a bill they just pay it, i believe the closed account info I provided to them should of been enough for someone not to make a careless mistake. So my escrow is negative, my house increased {$400.00} my credit has been hit for late payments which i am not, and yet nobody wants to be held responsible. I am working with XXXX, ext. XXXX   employee number # XXXX  and he was going to open a incident report on Friday XX/XX/XXXX and get back with me and i have called and had to leave messages for him to return my call, I cant get a hold of him, and i cant get anyone to send me to the extension.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

My previous loan servicer XXXX XXXX had sent me documents that they were transferring my mortgage to Rushmore Loan Management Services in XX/XX/2019. The transfer took affect on XX/XX/2019. I made my XXXX monthly mortgage payment on XX/XX/2019 to XXXX XXXX. It was an online payment.The documents that came from my new servicer, Rushmore said I had not made a mortgage payment in XXXX. XXXX improperly applied my entire payment to principle. I have been calling Rushmore and XXXX since early in XXXX to get this matter straightened out. Both companies keep telling me the other company has to correct the issue. XXXX told me numerous times they would handle the matter and would give me a call back. Each time they lied. Now they say they can not do anything about it. My loan is showing that I am behind every month and is reflecting negatively on my credit report.
Consumer complaint received 2019-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I believe I have been a victim of the Transunion " hard inquiry issue ''. There are several hard inquiries on my account that had been deleted, but then reappeared, and I was never notified that a ) they had been deleted, or b ) they were being reinstated on my report. 

The inquiries on my report that had been deleted are as follows. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over 18 years old. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.
Consumer complaint received 2019-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (CA)

In XXXX I received notice a new account repository my XXXX credit report. Upon revisit showed axcess financial and I was not familiar with this. I called the number provided they stated I had applied for a loan but they could not nor would not give me any other information. I asked if XXXX XXXX was also on account they confirmed but would not give anything else. I believe my ex-wife opened this account and had funds deposited into her XXXX XXXX Account without my knowledge. She previously did so with a company called loan me and they confirmed and immediately closed the fraudulent account.. this is not my account I never received any funds from this company. Please look into possible fraud actions by XXXX XXXX XXXX.
Consumer complaint received 2020-01-29
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. (CA)

After sending all three credit bureaus several letters disputing the accuracy of the infomation that they are reporting on my credit file and informing them that the items were not mine, they stated on several response letter that they verified and upon receiving the letters stating that they " Verified '' the items as being mine, I requested under the FCRA proof, which includes more that going to the furnisher of information asking them is it true, but i requested on 8 or more different times and was very clear on what the request was ... ... XXXX " written verification of the accounts they were reporting that they claim that they verified .... 

If in fact they " verified as mine '' then I requested PLAIN AND CLEAR ... .. " send me contracts bearing my signature because I want to get to the bottom of who has signed my name to something that I had no knowledge of nor did i agree to .... 

attached is the letter that i sent and the request that I made. they are now sending back templete letters and not giving me what I clearly asked for. 

If they cant properly investigate and come back with accuracte information that shows the accounts are mine such as written contracts the law is clear and I hold them to the standards of the law and not send me back templete letters becasue they did not do an investigation but is violating the law and my rights and is doing damges to my credibility. 
they must remove what they are unable to verifiy
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

The mortgage account currently being reported was updated XX/XX/2019. In XX/XX/2019, we applied for a refinance of said mortgage l, but had to remove a HELOC loan, that was discharged in a bankruptcy in XX/XX/2019, cleared from the title. The lien was immediately cleared but now the credit report is currently reporting the entire mortgage discharged in bankruptcy, which it wasnt. The mortgage was reaffirmed on almost 10 years ago. Due to the inaccuracy of reporting the correct information, we were declined a refinance. I have disputed the inaccuracies with Experian and reported the inaccuracy to XXXX, but to no avail. Do to the recent and extensive negative impact upon our livelihood, I am going to attempt to resolve this before retaining legal counsel. Please advise.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed these inaccurate accounts on my credit 4 times. It's been over 7 months and the credit bureaus have failed to do their job. As of this day I have not received any proof of how these accounts were verified for accuracy. I certified mailed dispute letters dated XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. These accounts are hindering my ability to obtain credit. If these accounts are verified accurately I will be pursuing legal action. I ask for the last time to investigate these accounts and send me proof of the documentation you used to verify these accounts for accuracy. I have attached my latest credit dispute letter dated XX/XX/21