davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
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: Experian Information Solutions Inc. (NC)

Experian is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided Experian with the " proof '' & to contact Experian. I called Experian on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter.. The stuff on my report is inaccurate and unverifiable. date opened, last reported date date last active and date of last payment were totally different, I cant believe you guys are taking advantage of me IM REALLY UPSET!. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NRA Group, LLC (NJ)

We try to find out with this company National Recovery what is going on with the debit reported for a {$4500.00} and was told to me that this debit it comes from a gas company XXXX XXXX. I ask to have some paper work that to confirm this bills that i own because there is no chance that i own those money.If you own anything to any utillity company if u do not pay for a month your bill they will stop your service but {$4500.00} ar to much for a bill This company try to threat me that they take me at court and thet will have a Sheriff Department coming to arrest me if i do not pay.My life is so stresefyl right now from this company. 
They can't prove the bills to show the real amount The adress on file do not match at all with where i live and the state i am in
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Trans Union are violating my FCRA consumer rights. I sent a dispute on XX/XX/2024 and they have not responded. I also contacted the court for the inaccurate Bankruptcy on my report, they stated that they do not report to credit bureaus. I attached a copy of the document they provided. Please help me investigate this. The inaccurate accounts and BK are preventing me from obtaining credit.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX XXXX XXXX  left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXX home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX XXXX are now also reporting to my credit as a new foreclosure.
Consumer complaint received 2019-07-16
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. (CA)

XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account does not belong to me. I have contacted XXXX to resolve this issue and the representative I spoke with could not locate this account nor any account with my information. I asked the representative to please remove this account however, no action has been taken, nor have they contacted the bureaus to have this line item removed from my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted.
Consumer complaint received 2024-02-12
Product: Credit reporting 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)

My Fair Credit Reporting act consumer rights have been violated. On XX/XX/2024 I submitted letters to each Consumer Reporting agency requesting that both my name and my address be updated on my credit reports.

I also asked that the name I requested to be on my credit report be the only XXXX listed as it is my only name, and the only name I open accounts with. I also requested the address I sent to them be the only XXXX listed as it is my correct address and where I receive all of my mail. 

As of XX/XX/XXXX my rights have been violated in XXXX ways. I have not received a response from any of the credit reporting agencies. It has been over 30 days as it is now XX/XX/2024. I have also been violated, because none of my personal information has been update.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax ; XXXX  and XXXX are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXDTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

My mortgage was serviced by XXXX up until XX/XX/XXXX. Prior to that I had filled for a modification that was denied but was offered a repayment plan. My initial payment was {$5000.00} which I paid on either the XXXX or XXXX of XX/XX/XXXX. XXXX notified us that the payment was late because even though I made it on the date we agreed on, it was made after XXXX. They never told me it had to be in by a specific time, a date yes, but not the hour. They suggested we fill out the application again and that the payment would be returned. We reapplied and they never returned the payment. Shortly after, I got a letter in the mail indicating that our loan was going to be transferred to P.H.H. Mortgage on XX/XX/XXXX. Come XX/XX/XXXX I made numerous attempts to contact P.H.H. to get my loan back on track. They instructed me that they would " put in '' for a modification packet to be emailed to me. I received a letter thanking me for reaching out and provided contact information for my relationship XXXX. I tried on many occasions to reach my relationship XXXX with no luck. I get routed to a different relationship XXXX every time. They never emailed me the application instead XXXX weeks later the XXXX dropped it off at our home. I filled it out and emailed it back to them. I've been calling every day since XX/XX/XXXX twice a day sometimes three. I have all the names of who I spoke to and their agent I.D . number for reference they keep telling me to give them " one more day ''. Just today XX/XX/XXXX they told me to give them " one more day '' when my foreclosure date is days away. After getting extremely frustrated they suggested I talk the foreclosure lawyers ( XXXX XXXX ). Why did they wait this long to tell me to contact them? I called them and they told me to call XXXX and have them " expedite '' the application. I also offered to pay to bring my account current. P.H.H. told me to contact the lawyers for a " reinstatement amount ''. I contacted XXXX XXXX and they told me to contact P.H.H. for the reinstatement amount since they ( XXXX ) are working for them ( P.H.H. ) and that they need to send a reinstatement amount or the temporary stop on the foreclosure. I called P.H.H. back and informed them of what XXXX said and they said that they were mistaken. Now I feel like they purposely want me to lose my home. I've been doing all the necessary steps to avoid foreclosure and they've been giving me the run around giving me the wrong information. I don't know if its because I'm XXXX or they just don't care about their customers. I feel hopeless, sadden with their lack of help. I'm stressed, I can't sleep at night trying to find last minute solutions. I'm don't know what else to do but ask for your help.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

To Whom It May Concern, The reason for my dispute is ARS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS ACCOUNT RESOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS ACCOUNT RESOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, ARS ACCOUNT RESOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ARS ACCOUNT RESOLUTION is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Colony Brands, Inc. (NY)

I have previously reported the company by the name of home @ XXXX because there is no way of communication and I have this account on my credit report for several years now the amount that is owed is XXXX and it has had a negative impact on my credit score please look further into investing this manner
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IA)

on XX/XX/2017, I was XXXX at XXXX XXXX. XXXX XXXX is a club located in XXXX XXXX, CA. They have a history of this sort of activity which you will see in the attachment ( Police Investigating.pdf ). I called the 3 credit card companies ( XXXX XXXX, XXXX, Citibank ) that I have cards with in the early morning on XX/XX/2017 ( approximately XXXX XXXX  when I came to ) letting them know that my card had been fraudulently charged. I immediately interrupted my travel and headed back home to Iowa as I was traumatized from the experience which is detailed in the police report which I filed ( Police Report - CC Fraud ). 

In terms of my interactions with the credit card companies that came to a satisfactory resolution. XXXX XXXX blocked all of the charges as fraud after my call and I owed nothing on approximately {$20000.00} charged to the card. No charges ever came through on any XXXX XXXX statement. XXXX was slower to respond and they had already processed the transaction with XXXX XXXX in the amount of {$4800.00}. It took over 5 months of working with XXXX to get them to reverse the charge and send me a letter explaining that I am not responsible for the charges. ( See XXXX XXXX ). 

Lastly, my dealings with Citibank. on XX/XX/2017, when I called about the fraud, they classified it as a dispute and didn't stop payment on the transaction ( this was an obvious error on their part, which was confirmed by the customer service representative that help me to get it classified as fraud ). When I noticed that the charge of {$9800.00} was still on my online statement a week later I called to re-inform them that this was fraud and should not be on my statement. The charge was then removed from my statement as they put it into fraud investigations. AS STATED ABOVE, THIS MISTAKE HAS RESULTED IN CITI PAYING THE VENDOR! I never received any contact/communication from Citibank on the status of this claim, but I called them on a monthly basis to get an update. When I called in XXXX, I specifically asked if the fraudulent charge would be on my account and subject to payment. The response from the customer service representative was no. I then found out through reviewing my XXXX XXXX bank account that {$9800.00} had been paid through auto bill pay to Citibank on XX/XX/2017. When I called and complained to Citibank in mid XXXX, they said that the charge would be reversed and they would credit my account until the investigation was complete. THE CHARGES WERE NEVER REVERSED. I have called the customer service and fraud teams on multiple occasions and have not had any luck in resolving this matter. I would appreciate the CFPB 's assistance in this matter. Attached is the history of communication from Citi ( See Citi Communication Summary.JPG ). The individual e-communications are also attached.
Consumer complaint received 2022-12-15
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. (FL)

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, 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 an 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 or 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 2018-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called XXXX XXXX and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXX to prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MS)

My student loans were transferred from Aidvantage to XXXX. Aidvantage last reported in XX/XX/2022. The balance with Aidvantage is now {$0.00} because the loans were transferred to XXXX but my credit report is still displaying balances from Aidvantage. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with Aidvantage are {$0.00}. My student loans are currently with XXXX.
Consumer complaint received 2018-05-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
Consumer complaint received 2022-10-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX FRAUDULENT CREDIT CARD APPLICATION AND ONE HARD INQUIRY ON XX/XX/XXXX. I HAVE CALLED XXXX XXXX ON XX/XX/22 AND THEY SAID THAT THIS " BAD '' INQUIRY WILL BE DELETED AND REPORTED ACCORDINGLY TO ALL 3 CRAs WITHIN 90 DAYS AND INFORM ME. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX FRAUDULENT CREDIT CARD APPLICATION AND 3 HARD INQUIRIES. I HAVE CALLED XXXX ON XX/XX/22 AND THEY SAID THAT THE FRAUD HARD INQUIRIES WILL BE CONVERTED TO SOFT INQUIRIES ( not deleted ) AND THEY WILL REPORT TO ALL 3 CRAs WITHIN 90 DAYS AND INFORM ME. I REQUESTED FULL DELETION BUT THE REP DID INSISTED ON CONVERSION TO SOFT AND NOT DELETION. 

I HAVE FROZEN MY CREDIT, AND REPORTED THE THEFT TO THE LOCAL CITY POLICE, AS WELL AS REGISTERED ON IDENTITYTHEFT.GOV. IN ADDITION, I HAVE ADDED FRAUD ALERTS WITH ALL 3 CRAs and MOST CREDIT CARDS, AND BANK ACCOUNTS. I HAVE YET TO FILE A " VICTIM REPORT '' WITH ALL 3 CRAs. 

I WILL ALSO REPORT THIS THEFT TO THE IRS, AND SSA.