davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Ive recently disputed fraudulent/erroneous accounts on my my credit reports with Transuion, XXXX, and know XXXX.The accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX   XXXX as well as XXXX XXXX-XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/2018 i received a copy of my credit report from XXXX, XXXX, and XXXX credit report companies. The company named XXXX XXXX XXXX has reported false credit information to the three bureaus. I have contacted them on numerous occassion and to no resolve they continue to report false information to the credit bureaus. First, i do not have an account with this company. Nor there is no agreement with this company that has listed on my credit reports as tho i have established a relationship with them as of XX/XX/2018. XXXX XXXX is engaging in fraudualent acts by electronically reporting false, untrue information to benefit their company. Midland is aware that the facts of this reporting to the credit bureaus mentioned is FRAUD. I do not owe Midland XXXX   dollars. I have asked repeatedly for a contract or some type of proof which they have not provided because there is NONE.
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Falls Collection Service Inc. (WI)

I called to ask why the wrong amount was reported to my credit and why no one had reached out to me to try and resolve the debt or set up a payment plan. I was immediately attacked on the phone, over talked, not listened to. Then the front desk lady tried to hang up on me. These people have ruined my credit and then she was beyond rude to me. I want to sue! However, to try and keep tensions down I will try to resolve that ridiculously rude behavior here first.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Me and my wife were living at XXXX XXXX XXXX  for almost a year starting around XX/XX/2015. In that time we never missed a payment nor was late on a payment. By XX/XX/XXXX we had received no notice of a change in rent but I did know the lease was coming up soon so I went to talk to leasing office about resigning the lease for another year. I was then told by leasing office our rent was going up over XXXX dollars due starting next month with no type of notice at all. The rent was too much for us so I put in a written notice saying we will have to move out next month. After we moved I was called by apartment saying we owed money which wasn't true because we paid that last month we were there. We even went back to the apartment and tried to explain but they said they would not remove it and the balance had to be paid. Months passed and i see a debt collection from the apartment for XXXX   dollars. When I tried to dispute it with XXXX they did not remove it. In conclusion we were not given notice of our Rent changing so drastically and a written notice was given so we should not have had a debt at all.
Consumer complaint received 2024-03-01
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)

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit.

I demand these accounts be Deleted from my credit report Immediately.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2022-07-08
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. (TX)

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-03-09
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: ACIMA CREDIT, LLC (NV)

Hi, my name is XXXX XXXX and I have an aacima digital fka simp lease posting on my credit report with the account # XXXX. I don't know what this is I did not go for any apartment lease or any car lease so I have no idea on this lease that was taken out in my name. My identity had been compromised on the dark web in XXXX and in XXXX someone took a lease out on me and completely destroyed my credit. This account is not mine and was removed from the other two bureaus however, XXXX continues to give me a hard time and won't have this account removed from my credit report. I will provide the FTC complaint document in the attachment below and hope the CFPB can help me with this.
Consumer complaint received 2018-08-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (CO)

this company advertises it specializes in va home loans and helps vets get into a home. this false advertising because they don't. they are using a company that issues fraudulent scores and claims making it impossible to finance a house, they state in a letter of denial that my scores was XXXX from XXXX  which is a direct lie, the score issued from equifax is presently at XXXX  and has been for over 3 months now. The name of the company issuing the data is XXXX XXXX, their name should be XXXX XXXX. After doing some research on this company i find they are doing this to a lot of folks, numerous complaints and charges have been made against this company. They do unauthorized credit checks and list incorrect information continuously
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2018-08-16
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: Experian Information Solutions Inc. (FL)

I do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.
Consumer complaint received 2018-08-16
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. (FL)

I do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase has outright lied to both their borrowers and ourselves. We recently submitted a short sale package for consideration to Chase and were called by XXXX at extension XXXX that the short sale had been declined as the investor required that the sellers live in the property to complete a short sale. One problem. This loan was originated as non-owner occupied and Chase has known this all along. XXXX had little to no information to give us ( honestly it would have been far better to have just sent the decline letter as he was totally worthless on the phone ), could not answer any questions ( or was told to lie ), became evasive when questions were asked and couldnt even tell us if the Chase was delegated on the file ( I honestly dont think he knows what the term means ), and if not, had it actually been submitted to the investor. Honestly, we have come to know Chase as a lender that spends little to no money on it loss mitigation department and are generally lied to on all of the files we submit to your company. The final comment that has driven this federal complaint was when asked, XXXX stated that they didnt have to offer foreclosure avoidance options. Here is what we would like to have happen : 1 ) Is Chase delegated on this file 2 ) Whom is the investor that owns the note 3 ) If note delegated, was this file submitted to the investor 4 )  Why were we told that Chase does not comply with California law and offer foreclosure avoidance options? 

This is yet another example of Chase breaking federal and state laws without any regard whatsoever to their investor, their clients, and their own employees. 

I look forward to your response, but have come to realize that the responses you send back rarely answer the questions at hand and often are fabrications of the truth. 

CC : XXXX XXXX, Attorney General of California
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (NC)

I.C. System Inc. ( bda ) XXXX, XXXX XXXX XXXX is in Violation of 15 U.S. C. 1692-1692P On XX/XX/2018 ( I ) XXXX XXXX received a call at work from a Mr. XXXX XXXX ; in violation of 15 U.S.C 1692 C ( a ) ( 3 ). I was unable to talk at the time, so i called back and spoke to a young lady  about why was i called. 

I was then transferred to a Mr. XXXX XXXX who was both abusive and oppressive with me, in violation of 15 U.S.C 1692d.

Mr. XXXX also used obscene language with me, in violation of 15 U.S.C. 1692d ( 2 ) and i asked him to end the call and he didn't. I ask Mr. XXXX to remove my phone number and to state that i would not receive any further call and he would not agree to do what was asked.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND ACCOUNTS attached to this complaint from my credit report immediately.
Consumer complaint received 2018-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Veripro Solutions Inc. (CO)

Called XX/XX/18, XX/XX/XXXX, & XX/XX/XXXX, leaves message claiming they are calling from ( XXXX? ) XXXX XXXX, to call back, it is a call from a debt collector. I have no debt to collect. They never mention WHO they are calling for.. Looked up veripro, the number that they call me on/request me to call back on is not listed on their website. Another report on XXXX said It's XXXX XXXX. I have no debt! Stop harrassing me!
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is reporting a charged-off credit card balance on my credit report for {$XXXX}, however this account does not belong to me. A long time ago, I may have been an authorized user on this account, but I have not been one for quite some time now. I have notified Equifax of this fact multiple times over the last couple of months. This account does not belong to me, and I am not responsible for the repayment of this debt. And futhermore, again, I am not an authorized user on this account, and it should not be on my Equifax credit report. I demand that this account be deleted from my credit profile immediately.
Consumer complaint received 2018-08-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MB FINANCIAL, INC. (OH)

My husband and I closed on our home in XX/XX/2017 with MB Financial via XXXX XXXX. My original mortgage payment, including taxes and insurance was approx {$750.00} ( {$510.00} for principle and interest and {$240.00} for escrow ). I've just received an ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT ( attached ) that changes my payment to {$940.00} reflecting the original principle amount of {$510.00}, a slight increase in taxes and insurance amounting to {$260.00} and {$160.00} of escrow shortage. I'm told that that {$160.00} * 12 months reflects a shortage of {$1900.00} in my escrow account as escrow is paid in arrears. What I was not informed of is that there is a minimum dollar amount to be kept in escrow. It's my understanding that the bank not collecting enough monies at closing is the problem, a problem that I certainly shouldn't be responsible for.
Consumer complaint received 2018-08-15
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. (OH)

Disputed with Experian last week regarding an account reporting the wrong date the account was opened. I have two accounts on my credit report with Experian which is the original creditor XXXX XXXX, account number XXXX and the debt buyer of the account XXXX XXXX, account number XXXX. XXXX XXXX is reporting the date this account was opened as XX/XX/XXXX. The original creditor XXXX XXXX is reporting the date opened as XX/XX/XXXX. Experian blatantly ignored my request for investigation into this matter. Its very obvious as both dates are on my report and XXXX XXXX shows the account was purchased by XXXX XXXX.
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

As, I was checking my credit report I have come across that this company is on my report. stating that I owe XXXX XXXX dollars.This is only being reported on one report which is XXXX.I don't owe them anything. I have XXXX XXXX in my name as I am writing this statement. Which my account with them is XXXX dollars. So please explain to me how this is on my account.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX claims they are charging % 27.49 interest rate on my XXXX store card but they actually charged over % 60 interest on my last two billing statements.

When I contacted XXXX XXXX they continued to insist that 60=27 and they declined to credit me. They say my promotional rate for purchases has run out and as a result the interest for purchases made 3 months ago is accumulated and that is the reason that 60 = 27. I can understand a promotional rate running out, but when they continue to insist they are only charging one rate while the math shows they are charging another rate, that's absurd and insulting.
Consumer complaint received 2018-08-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (AL)

This is not my account with XXXX XXXX. I have tried and called the creditor several times and explained to them that this is not my account. If an account was open this had to be done by my ex husband. I want it removed ASAP
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

XXXXXXXX XXXX placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which HSBC said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

In late XXXX - early XXXX, I authorized automatic payments to XXXX XXXXXXXX XXXX chase credit card among other credit lines. In XXXX, I notified XXXX XXXX she was no longer authorized on this account. After I notified XXXX XXXX, I called Chase Bank and cancelled/ closed all automatic payments being made on her behalf. There were multiple reversals completed by Chase Bank. This was an ongoing issue for a couple months. I notified Chase Bank on multiple occasions to file fraud charges, and dispute multiple charges. These charges were reversed and credited to my account. I again contacted Chase to try and find resolve for this recurring issue. Chase advised me of XXXX options : XXXX close existing checking account and open a new one. XXXX. Contact customer service and issue a stop payment order ( which I would have to pay a fee to do ). I opted for option XXXX, I closed the existing account and open new one. After this occured, I noticed some automatic payments going to chase credit card. When I called and asked I was told that it was going to my chase credit card. After a while and kept questioning it, I compared the automatic withdraw ( auto pay / ACH ) with my payments to credit card and found a discrepancy. I called and asked what account this was being sent to, during multiple times of calling to inquire, before I was able to get the name ( had to be switched between multiple departments ), the call would go idle, or get dropped. Each time trying to contact took approximately XXXX minutes, then the call would end, go quiet, not have anyone on the other line and not in the queue. I was finally able to find out who the payments were being sent to, which i then tried to escalate the issue multiple times and show this person was found to be fraudulent. My many attempts did absolutely nothing. Still to this day ( XXXX years ) there are still payments being made to an unauthorized account and Chase says there is nothing they can do about it.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried several times to get this rectified as you are reporting erroneous information and now I will be contacting state legislation and my elected officials regarding this information. The following accounts are incorrect : -XXXX  XXXX XXXX ( XXXX ) -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX ( XXXX ) Both XXXX XXXX XXXX accounts are reporting incorrectly as discharged as student loans were not discharged in bankruptcy. Also XXXX XXXX  is reporting incorrect information and was never late within bankruptcy. All accounts are scheduled to come off within the next 3-6 months. Please delete the accounts ( early exclusion ).
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Massachusetts Educational Financing Authority (NY)

XX/XX/2018 I got a copy of credit report and late charges were reported on a student loan that was in forbearance. I wrote the credit bureaus and also MASSACHUSETTS EDUCATION XXXX XXXX XXXX. As a result, not only was late charges removed but the entire account was closed XX/XX/2018. Suddenly, it appears on credit report again, this time saying that I am ninety ( 90 ) days late. There is something wrong. Who protects the consumer? My son who is in the XXXX  send all the necessary papers for the forbearance and it was approved.