davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible. 

Please see attached, Inquiries - TRANSUNION - INQUIRIES 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 2022-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

I closed this account in XX/XX/XXXX with a {$0.00} balance. The company illegally charged my credit card and my bank honored the refund since no services were rendered. They took my refundable deposit and have started to invoice a closed account since XX/XX/XXXX. I have not used any of their services and requested numerous times to stop adding late fees to an account that has been closed since XX/XX/XXXX. 

I have had several conversations and can not get the proper resolution. They sent my account to collections in XXXX where I received an invoice from Caine & Werner. I did not this company permission to access any of my information.
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (VA)

Refinanced original mortgage with NewRez/Shellpoint with XXXX XXXX in XX/XX/2021. Paperwork was incorrect and officer told us to cross out maiden name and put new name. The old mortgage closed and the new one opened. Paperwork was not accepted with crossouts so they made an appointment with us to file the new paperwork in XX/XX/2021. We were told not pay anymore on the old mortgage as it was closing. They decided to report a missed payment to the credit bureaus in XX/XX/2021 from XX/XX/2021 even though we were told to disregard anything that came from the old loan. This brought my credit score down by roughly almost 100 points. XXXX originally immediately followed up with NewRez 's escalation team to figure out what happened back in XX/XX/XXXX. There was never any follow up and neither the escalation team or XXXX have followed up with me to get the problem fixed. We continue to pay on the new correct loan with no problems going forward. However, the old loan was clearly sloppily closed. You can see I have no history of ever missing a payment on any of my accounts. Please help address this problem and getting the one missed payment improperly applied off of my credit record. Thanks!
Consumer complaint received 2021-07-15
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: Bread Financial Holdings, Inc. (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against LVNV FUDNING for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2018-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

XXXX XXXX XXXX states I owe collections and I never got a collection letter. I have no knowledge of this collection. Second of all they reported on my credit through transunion has collections type under XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX. Now through XXXX they report the account has a factoring account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The one collection that which they claim I owe {$240.00} is now two accounts of {$240.00} with two different addresses and the company name the same with resurgent on one. I can furnish my credit report if needed to show proof. But the CFPB will have to request it from me first because im not falling victim of illegal practices and/or scams. So I never got a collection notice and this company is reporting two different types of collections one on XXXX   has a collection account and one on XXXX has a factoring account.
Consumer complaint received 2017-06-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have disputed a collection on my Equifax report several occasions and have not gotten a resolution. I paid a collection from   XXXX   XXXX   XXXX   for {$240.00}  ( {$250.00} w/ fees ) o n  XXXX   XXXX ,  2016 . It is being reported on my Equifax report as being open and the full amount owed. I called  XXXX   XXXX   XXXX  and they report the account as closed and say that Equifax never contacted them in regards to the dispute I filed.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, 1. ) XXXX XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) 2. ) XXXX XXXX XXXX  XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). 
I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company. I got the investigation back but noticed nothing was modified or updated, according to 15 USC 1681i ( 5 ). I want to Sue for Neglect and deceptive practices for reporting these inaccurate accounts. I want Monetary relief for all these violations because they are causing harm and denials on my credit, due to Equifax conducting a proper investigation like I asked to.
Consumer complaint received 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

The mortgage was originally opened in XX/XX/XXXX and was service released to Carrington Mortgage in XX/XX/XXXX. I heard of no issues during this transfer as all payments were automated. Once it got transferred over to Carrington i did not have visibility to the account and was not reporting on my credit report like it was supposed to. I faxed a letter into their research department that only communicates through fax or mail. It finally started showing up a couple weeks ago and it showed that it was 30 days late. Once in finally got portal access into Carrington the first payment reported was on XX/XX/XXXX, and then the next payment was shown for XX/XX/XXXX, but the next payment due date was for XX/XX/XXXX for twice the normal amount, and i noticed this on XX/XX/XXXX. There is some billing system error that needs to be corrected as everything should be current and ontime with the next payment being in XX/XX/XXXX. When i tried to contact Carrington to discuss this, the reps on the phone could not do anything and they just tell me to fax or mail in the dispute and wait. For this kind of error, i would hope they would be willing to work with the customer to fix it, since it is on their end.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NC)

I logged into my account today after an attempted transaction on my card today failed. I noticed that my account was closed, which I had not requested.  I called Barclaycard and the representative informed me that the card was voluntarily closed and I should have been read some terms when requesting the account to be closed. The bank closed the card without my  permission and marked it like I requested it.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had a credit card with Bank of America. After my divorce, I did my best to keep up with payments on the account. I asked several times for any programs as I was struggling as a single parent and working less than full time. I was told there was no help. I made my last payment XX/XX/2013. I received judgment paperwork a few months ago and called the firm handling the collection. They proposed a payment that was completely unrealistic. I contacted them a second time and they told me to pay the whole thing and there were no other options. I am now being served paperwork at work for a garnishment. I have tried many times to come up with a compromise and I feel I am not receiving the options that should be available to me. I am working only XXXX hours at my job and I feel sending this paperwork to my employer only puts me in jeopardy of losing my job. I am hoping for a better resolution.
Consumer complaint received 2021-10-09
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: LoanCare, LLC (MN)

XXXX was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by XXXX points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. XXXX needs to act immediately and remove the negative mark on my credit file and my husbands.
Consumer complaint received 2020-08-22
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. (MS)

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX Experian, and XXXX XXXXAs a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NC)

We had a deed in lieu of payment on a house in XX/XX/2015, the bank signed off on it. 

I called the bank and found out who I need to talk to, I have called several times and have never been able to speak to XXXX XXXX at XXXX and she has not returned my calls. 

The bank should show that the loan was satisfied, but it show 100 % paid off AND XXXX balance AND currently late payments ... so totally wrong, this needs to be removed from my credit report. 

SANTANDER BANK N.A. 
XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Thanks for your help
Consumer complaint received 2020-07-20
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. (UT)

XXXX XXXX is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XXXX of 2018 XXXX went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now XXXX is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (FL)

I was first contacted by General Revenue Corporation ( GRC ) on or around XX/XX/XXXX regarding an alleged debt. The debt allegedly originated as an account with XXXX XXXX University. The amount owed on this alleged debt was {$4800.00} and was assigned file number XXXX. I was never contacted by XXXX XXXX University  regarding this alleged debt and never agreed to any type of arrangement with the University. I was once a student with XXXX XXXX University  and all of my student loans are current with the United States Department of Education. I ended my enrollment with the University in XX/XX/XXXX. I responded to GRC via multiple certified letters that I was unaware of the alleged debt and its origins and I sought validation of the alleged debt. GRC responded to my correspondence with a list of charges that allegedly came from the University. GRC has not yet provided any contract between me and the University. GRC has refused or been unable to provide any documentation that will legally validate the alleged debt. The University has placed the same account with a different collection agency in the past, XXXX XXXX. The account was investigated and removed from all credit bureaus when XXXX XXXX was unable to validate the debt. GRC has since reported this account to multiple credit reporting agencies without proper validation or proof of validation. 
The initial amount of the alleged debt is different than the amount of the debt in the alleged validation letter that I received. The unfair reporting of this alleged debt has caused damages to my credit report and my reputation as a consumer and as a professional. GRC has been misleading and have not been willing to validate this alleged debt prior to taking adverse action against me.
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MI)

I am being contacted by a debt collection company for a debt that is not mine. I believe this debt is a result of identity theft. This company has not validated this debt per my request.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (OH)

Amex with XXXX membership solicited a interest free introductory period which in my case was until XXXX 2015. XX/XX/XXXX the interest rate was to start accruing, however Amex has been double billing interest as well as finance charges on my account. I contacted them at least XXXX time to speak with a customer service representative which has been documented. They initially credited my account for XXXX of the interest rate charges and they backed them back into my account. I have only made purchases on this account and should not have been billed XXXX different interest rate charges as attached. This is in violation of their disclosure statement which clearly states the rate of interest at 15 % and there are not any disclosures which allow them to double bill interest rate : Your current annual interest rates as of XX/XX/XXXX:15.24 % Purchases25.24 %
Consumer complaint received 2015-05-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sarma (VA)

I am XXXX military, I was listed as a primary on my daughters medical account for an urgent care visit she had in XXXX. Being XXXX, and having XXXX we have {$0.00} patient responsibility for any Emergency or Urgent Care visits, with or without referral. 
The original debt claim was from XXXX XXXX XXXX from XXXX/XXXX/XXXX for my daughter, this debt was sold to SARMA Collections on XXXX. We have since moved from XXXX XXXX ( Early XXXX ) We never received notices from XXXX care that this debt was being submitted to SARMA, nor a notice from SARMA allowing us time to request proof of debt, so we could have properly disputed ... Never received a phone call, only a XXXX notice post marked XXXX/XXXX/XXXX stating it would report to our credit which it did on XXXX/XXXX/XXXX. 
I am upset and feel neglect because not only am I XXXX, and protected by the SCRA but HAD this agency, " SARMA '' done their proper research they would have NOT placed this on my credit, which is permanent. Instead they could have done more due-diligence to collect this in the proper way as a XXXX-party.
Consumer complaint received 2022-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Harris & Zide (CA)

On XX/XX/2022, I received a letter from The Law Offices of Harris and Zine, a debt collection attorney. I called the original creditor on the letter listed as XXXX XXXX XXXX XXXX, XXXX. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. 

I then emailed The Law Offices of Harris and Zine to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of Harris and Zine to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up. 

My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

I moved into my XXXX house in XX/XX/2020 I requested internet service from XXXX XXXX XXXX and they scheduled a technician to come over to do the installation. When he arrived and looked around he told me he couldnt provide me with internet because I needed to do some complicated wiring. So he suggested I call XXXX and gave me their phone number. He then proceeded to tell me about at XXXX XXXX mobile services and he invited another technician to come over and explain the offer in better detail. The technician arrived 15 mins later and gave us this great speech about free phones and Discounts and that they will take the old phones and give us new ones at no charge and that we didnt needed to deal with our old carriers because they will handle bringing our phone numbers over to XXXX XXXX XXXX and that they will cancel it all for us. A month later we get a XXXX bill from our old XXXX for non payment of the old phones and there were XXXX active remaining lines on the account ... it been a real struggle to resolve this because XXXX XXXX XXXX refuses to take responsibility for their unethical business practices.. I just moved to our new home and att sent a technician to hook the internet and after the same speech just left and didnt get the connection finished. I requested XXXX but it seems that att is handling all XXXX installations.
Consumer complaint received 2022-08-11
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. (NY)

I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX XXXX XXXXXXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX  XXXX XXXX {$670.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX  XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX  # XXXX {$2200.00}, XXXX  # XXXX $ {$0.00} XXXX XXXX XXXX  # XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXXXXXX XXXX # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO MY CREDIT REPORT.
Consumer complaint received 2018-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (PA)

This discover account was a paid charge off as of XX/XX/XXXX. Tried to reach out to the company numerous times and was told there was nothing that they can do. Got in contact with the bueureas and they told me I had to contact the creditor.