davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (FL)

I received notification to my credit reports of a collections by the company, Radius Global Solutions. I was never sent any communications from this company, neither have i ever received any calls from this company. So for them to place this on my credit report without attempting to contact me, is illegal. Adding the amount for collections is in dispute. 

I today contacted the initial company/creditor XXXX XXXX who verified that my driver 's license may have been used to verify my identity and obtain my social security number ( XXXX XXXX never requested my SS number for service ) and how the collections company XXXX have gotten my social security number to place the account on my credit reports. My driver 's license information is up to date, and I presently still reside at the address on the driver 's license plus XXXX XXXX has the same address as address of service and billing address. They also confirmed my telephone number, so this company had my contact number. Yet no attempts at communication. 

I am making a separate complaint against XXXX XXXX.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

My mortgage was sold to XXXX from XXXX XXXX XXXX. Loan number XXXX. Now the service of the loan originally done with XXXX has a fixed rate and no adjustment and max late fee of {$28.00}. I get my XXXX check on the second Tuesday of each month and make my house payment. Now this is being mail to different services address so I have no idea when they receive it. This company Shellpoint is attempting to charge some fee over {$500.00} for late. They need to follow original loan. And have only been with them for a few months but major problem with amounts.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : Here are the companies and dates of occurrences : XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX These inquires were never authorized by me and there appears to have been some sort of fraudulent activity. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries by the same companies again and again have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life.
Consumer complaint received 2023-04-07
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2019-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

we recently had a fire on XX/XX/XXXX. On XXXX XX/XX/XXXX I sent all to documents required that Carrington Mortgage Service, LLC loss draft needed via overnight mail. Since then they still have not released my check to rebuild our house. It's a large sum of money that they are keeping from us. Over this period of time from XX/XX/XXXX when they received the documents they have been stalling. Each time we call we speak to a different person, they tell us each time that we need to send over a different document, which I fax again, which has already been sent. I have sent these documents multiple times via fax and email. Everytime we call they have an excuse and we still have not gotten a check yet to start construction. I myself have called, my husband, my contractor, and my public adjuster. My public adjuster called on XX/XX/XXXX and spoke with a supervisior and she said she would have the funds sent over. Well that was a lie also. This is getting out of hand and I'm not going to tolerate this anymore with this company
Consumer complaint received 2023-04-07
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. (GA)

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 XXXX # XXXX XXXX # 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. 

Attached is proof of the inaccurate information
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am filing a new CFPB against Equifax and XXXX  for reporting incorrectly the XXXX XXXX XXXXXXXX Credit Card - partial account number - XXXX on my credit report. ( Please see page 6 of the attached credit report. ) I did NOT open this account. I have attached a copy of the police report that I filed in regard to this account for fraudulent activity. I previously filed a CFPB onXX/XX/2019 to XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting that this account was opened fraudulently by my late husband. I immediately contacted XXXX XXXX XXXX to close this account but have not been able to resolve this issue directly with XXXX XXXX XXXX  This incorrect reporting is harming my credit score.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one told me I was being recorded for security purposes on the phone call, so I felt they were being honest with me. I called to let them know I can not pay them more than XXXX XXXX dollars a month on my bill and I was told by the young lady on the phone they have a great program that will allow me to pay off my card without the interest still accumulating more. I said ok sing me up. She began to tell about it and how they will freeze the account but I can not miss a payment. I said ok let 's do it. At no time during this phone call was I ever told they would take anything from me for accepting this program. A month later I go to use the mile points in which I have earned over the years of using the card for a flight for my wife and it would not work. I called and they said, we took those points when you signed up for this program. There is no way on GODS green Earth would I EVER forfeit XXXX XXXX points just to freeze any type of interest for a credit card. If I was given this information during the sign up I would have told them NO!! Then to add salt to my wound they told me they sent me a letter saying they took the miles points from me. That's a lie and I will take a polygraph to prove it. They should not be allowed to do this to anyone ever. They did not give me all the perennate information needed to make a sound decision. They should not be allowed to take points already earned from the past bills being paid off and then take them without permission and without cause for their mistake of not making a customer fully aware of their intent, policy and or rules for signing up for any type of program through their company. Plus they should be required to obtain a signature on every agreement that will make a change in one 's contract or any new deal being made for a new contract on a bill or credit card bill change and this is a life-changing decision.
Consumer complaint received 2018-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO. (AZ)

I had a new Car Loan with Chase Bank, my then husband and I were both on the loan. He filed bk we divorced and in order to continue the loan I had to refinance the loan. I refinanced the loan with XXXX XXXX XXXX XXXX. I was the only person dealing with Chase, I had no address for my ex-husband, and Chase sent him the Title. He then took the title and registered the car in his name in the State of AZ. He threatened me if I did not give him the car he would report it as stolen. I went back to Chase Bank asked they why they sent the title to him? They tried to correct it, by requesting a duplicate title, but could not. Now I am stuck with a loan, he has a title that does not have a lien on it. I asked XXXX XXXX XXXX XXXX if I could do a voluntary repo, and then catch the note up and was told can not, because they do not have the title. Chase Bank caused all of this confusion, and this loan should be paid off by them, or they need to locate the car and return it to me.
Consumer complaint received 2023-06-13
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$27000.00}.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I personally contacted all three credit bureaus ( XXXX, XXXX  AND EXPERIAN ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only Experian  has deleted inquireries and inaccuate account information from my file. While XXXX and XXXX insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (SD)

I have a secured card through XXXX. My payment was due on XXXX. I logged into my account on XXXX and processed payment through external account. That payment cleared my external account on XXXX. Go to bank is not recognizing that my payment was made on time which was on XXXX. They are using XXXX day processing time as payment date. Thats how long they claim it takes to transfer money from an external account. This is not correct. Other banks recognize the day you make the payment as payment date not the date XXXX finalize external transfer.
Consumer complaint received 2023-04-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights, XXXX XXXX XXXX  ACCT. # XXXX, XXXXXXXX XXXX associates acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXXacct. # XXXX my nights. 
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 acodunt without my written instructions
Consumer complaint received 2019-04-04
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. (NJ)

This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt XXXX, trans union and XXXX   report whatever the Credit  card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.
Consumer complaint received 2018-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX XXXX/XXXX   XX/XX/XXXX - company unresponsive XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX   XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit XXXX  XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX   XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX/XXXX XX/XX/XXXX - never heard of the company - did not authorize
Consumer complaint received 2018-04-04
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. (WV)

XXXX XXXX/XXXX  charged off a credit card. 

the XXXX  credit report shows this. 

XXXX  and Experian credit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up
Consumer complaint received 2023-10-10
Product: Credit 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: JPMORGAN CHASE & CO. (DC)

On XX/XX/2023 my email and password was hacked. The thief used this email/password combination to attempt access to all my accounts ( social media, banks, etc ). I was alerted to this due to the multiple two factor authentication texts and emails I received in the morning. The thief was able to access my XXXX account and make purchases on XXXX. I immediately called Chase Bank to report fraud on the credit cards which were stored on my XXXX account and I was issued new cards. One month later, Chase sent me a letter saying I am responsible for these charges because " my email is associated with this XXXX account, thus I am responsible for these charges ''. They also said XXXX deemed it a valid transaction from my account despite me reporting it as fraudulent to Chase Bank immediately after the transaction occurred. I was able to get in touch with XXXX and they agreed to send me an email acknowledging it is an unauthorized transaction so I can dispute it with the bank but are unable to provide a refund because the system will not allow it. The Bank has pushed back and said they are unable to do anything because XXXX said it is " unauthorized '' not " fraud ''. I also provided two factor authentication emails I received from my social media accounts on the same date showing my accounts were hacked.
Consumer complaint received 2019-10-01
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. (NY)

I have contacted experian to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized Experian, XXXX and XXXX refuse to investigate this abusive process claiming they must remain for two years.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (NC)

I notified BB & T on XX/XX/XXXX of unauthorized charges and checks on my account. I advised BB & T that I had not used my account since XXXX of XXXX due to job change. Two checks were deposited into my checking account ( {$6000.00} and {$2500.00} ). I advised BB & T on XX/XX/XXXX that I did not deposit check or had no knowledge of checks being deposited. I advised BB & T on XX/XX/XXXX that charges on the account I did not authorize. I have faxed in police reports to BB & T and they confirmed they did not need anymore information and just to monitor my account. The account is no longer showing on my BB & T app but I received a call on XX/XX/XXXX from BB & T collections advising me that my claim was denied XX/XX/XXXX and that they are calling to collect payment. When I spoke with centralized collections BB & T advised me I did not dispute every charge on my account. I disputed all charges on account on XX/XX/XXXX
Consumer complaint received 2019-05-08
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. (SC)

Last weeks i recieved multiple calls about collections that do not belong to me. I also recieved alerts that my information was discovered in over 2 worldwide data breaches. After reveiwing my credit report i discovered many fraudulent accounts listed on my credit reports. I believe i am a victim of identity fraud. I demand that the fraudulent information be removed from my credit report immediately!
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I received collection notice from XXXX XXXX for {$150.00} I called them and advised them this is not my account and also request that they provide me with all methods used to verify this account as being owed by me as well as provided all original paperwork with signatures and if such proof is not provided that they delete this account immediately as they are attempting to send this to credit reporting agencies