davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. And Pursuant to 15 USC 1681a, the transaction and the experiences between the consumer must not be included in the consumer 's credit report.
Consumer complaint received 2021-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

On XX/XX/2021 I sent Aargon Collection Agency also known as Aargon Agency , Inc. a letter asking them to show me a legally binding contractual obligation to pay them an alleged debt in the amount of {$1000.00}. Aargon Collection Agency did not respond to my letter and has not provided any proof to their claim that I owe them the alleged amount. I sent them another letter today certified mail. I am a consumer and I know my rights. Aargon Collection Agency is ruining my reputation by furnishing this data to XXXX. XXXX is the only reporting agency to have this account listed because the other reporting agencies know that this account should not be reporting to any of my consumer reports.
Consumer complaint received 2021-12-04
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-28
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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 2022-10-11
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: ENCORE CAPITAL GROUP INC. (FL)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : MIDLAND CREDIT MANAGEMENT Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Consumer complaint received 2022-04-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a Chapter XXXX and in doing so 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 information without my written instructions.
Consumer complaint received 2021-07-06
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: JPMORGAN CHASE & CO. (MI)

JPMCB Card Services, XXXX. XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been a total of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. 

Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (CO)

I was in a Chapter. XXXX Bankruptcy and fell behind on my mortgage payments by 3 months. The mortgage company sent for a dismissal of my bankruptcy on XX/XX/XXXX if I didn't pay the three months immediately. So to avoid getting dismissed I paid all three payments at one time on XX/XX/XXXX. They still certified the dismissal of my bankruptcy even tho I paid all three payments within the 30days. When I call to speak to the mortgage company no one can give me a answer on why they did that. My bankruptcy attorney said they should have pulled the dismissal ounce I paid> Every time I call the mortgage company they avoid the issue by putting me on hold until I hang up. On XX/XX/XXXX I was put on hold for a hour and eight minutes with out anyone coming to check in on me or anything before they just hung up on me. I have called and ask to speak to a supervisor to try and get some answers and help and every time they tell me one will call me back within 24 hours and no one ever does. I asked to speak to a supervisor on XX/XX/XXXX and I never got a call back. Now they are sending me demand letters that I bring the account current for XXXX and XXXX payments or else they will foreclose on me> Since I have just made 3 payments in XXXX its hard for me to pay two more payments this month. So I just have one payment set up for the XXXX of this month to pay XXXX and sent in a loss mitigation assistance package with supporting documents like bank statements and they say they wont accept my bank statements because I got them from my bank online. So my main complaints is that they got my Bankruptcy dismissed after I paid the amount I was told to pay and that I cant get a supervisor on the phone and they keep putting me on hold for over a hour and then just hanging up on me.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (CA)

GFPB WRITTEnUPo : You In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the The right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (DE)

UNAUTHORIZED INQUIRY ON MY CREDIT FILE FROM THE BELOW LISTED XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2019-06-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Service Company (TN)

Hello, My husband and I are sellers of a property XXXX XXXX XXXX, XXXX, KY. The buyer of my property was XXXX XXXX. She was going through American Mortgage Services Co for a loan. The loan officer working on the loan was XXXX XXXX. On around XX/XX/XXXX ish we entered into a accepted offer contract and agreed that the home would be sold within the 60 day timeframe that was given. It has been over 60 days since the we have accepted the offer. XXXX XXXX continues to avoid calls, and delay this lending process. Not only do I believe she is discriminating against this young woman because she is XXXX, but also she is XXXX, she is single and has a ton of kids and receives child support. If the loan office could not process the loan because of income or debt issues Ms. XXXX should deny the loan so we can put the house on the market. But instead she is dragging out the process and not returning our realtors calls. It is costing us money because we do not live in the house and now are paying two mortgages and utilities. Just last week ( XX/XX/XXXX ) she said to give her 3 business days to have an answer on if the appraisal will be ordered. It is XX/XX/XXXX, and she is not returning my realtor 's calls. This is not outside of fair lending regulations and I would like this process to be reviewed for banking compliance laws. 

My name is XXXX XXXX. My husband 's name is XXXX XXXX XXXX / XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been receiving calls since XXXX from various fraudulent debt XXXX attempting to collect on a line of credit I never opened with HSBC. They tell me I opened it in XXXX and the debt owed changes with every phone call. XXXX time it will be {$3000.00} and with the next call, it will change to {$1600.00}. I've never had a credit card with HSBC. The calls stopped in XXXX of XXXX, but they have started up again. This time the credit collector calls itself XXXX XXXX. They called me on Friday, XX/XX/XXXX. When I began to ask questions to the person, the tables were immediately turned to make THEM look like the victim. When I told them to stop harassing me, they told ME I was harassing them for asking questions! I know what I was doing in life during XXXX more so than these strangers and I know I never opened a line of credit with HSBC during that year. I just want the calls to stop. I am currently suffering from both XXXX XXXX and XXXX XXXX. These calls cause great stress and affect my quality of life. I do not need the stress they put me through.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (IL)

I initially purchased something online at XXXX  and it never was sent out and shipped even though company said they did. However XXXX XXXX  told me the ship number initiated at shipper but never was handed to XXXX XXXX. So with that being said I contacted credit card company milestone and told them I wanted a reversal on charge. They said they couldn't help me yet but to call back in a week and they will see what they can do. A WEEK! I just closed account at milestone but now have no help on charge for something I never got
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/XXXX the dismissal was filed with the court. 
Since then, the three credit bureaus ( XXXX, XXXX, Trans Union ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (TX)

Calvary Portfolio has REPEATEDLY called my number asking for some guy with me telling them that they have the WRONG NUMBER! I do NOT know the person they are calling for. My number no longer belongs to that person, and has not for several years now. This company has been calling my number for YEARS with me telling them they have the WRONG NUMBER. They need to figure out the right number and stop calling me!
Consumer complaint received 2020-11-23
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: Prosper Marketplace, Inc. (FL)

I have submitted a multiple police reports, and have fraud alert placed on my XXXX credit file file for 24+months about potential fraud and identity theft for this account. I have disputed the account and provided materials requested since XX/XX/2020 and every month following until present day. The creditor has failed to change the information on my credit file despite being given proof of fraud.
Consumer complaint received 2019-06-04
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. (HI)

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from my credit.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I have contacted PayPal three times since XX/XX/2022 regarding an unauthorized transaction that occurred on XX/XX/2022. The first call was initiated within 15 minutes of the unauthorized transaction for an amount of {$1000.00} I notified the representative that this was a fraudulent transaction and was not made by myself. The next day while following up I found that the previous agent had not even opened a dispute case. The next representative assured me he would take care of this for me, HE DID NOT, he instead marked this dispute as item not received. None of the reps were able to speak proper English or transfer me to a representative in the United States that could. This has caused my checking account to become overdrawn and encour NSF fees by my financial institution. I was told I would need to wait 10 days, this is unacceptable. I have been a customer of paypal for over 10 years and this level of customer service is unacceptable. My confirmed address has even been changed for this transaction which is a clear sign of fraud.
Consumer complaint received 2021-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (IL)

I sent several letters to State Collection Service in XXXX Wisconsin to verify this account. They continue to report it to all credit bureaus XXXX XXXX XXXX, XXXX XXXX XXXX ). The letters I sent to them were dated XX/XX/2021, and the final letter was sent on XX/XX/2021. They continue to report the unverified accounts to the credit bureaus. This account is a fraudulent account and without verification is under State and Federal violation. This should be REMOVED from ALL CREDIT BUREAUS. I have tried many times for State Collection Service to provide me with the contract with my signature on it. They continue to ignore my request. All letters sent were certified and returned receipt and it was received by State Collection Service. Yet they continue to report it to the Credit Bureaus.
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (TX)

I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2022-04-07
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: CLGF Holdco 1, LLC (NV)

In XXXX I called Indigo XXXX aka Gensis Bank, advised I was going out of the country to XXXX and provided the dates. Shortly before my trip ended on XX/XX/2022, my card would not work. They took payments but my card would not work. I called, I was told by a csr my card had a fraud alert and not to worry they would release the alert in 24 hrs. Since XX/XX/XXXX, I have called a total of 15 times if not more. I have been told my card works, no hold, there is a hold, a block is on the card, a new card has been sent out, a new card hasnt been sent out and ultimately escalated my issue several times to an account manager. I requested a new card be expedited and that took 4 days and advised that it would be 3 business days for an answer upon calling, on day 3 Account Manager named XXXX employee ID # XXXX, said oh yeah I will call you back today and that I had to wait. No call back was received on day 3. I received a call back from a XXXX he stated no phone number or extension made no attempt to help me. So I call back and speak with another account manager he states my card has a block and can send me a new one in 15 days. Absolutely unacceptable. No one at this place took accountability, gave out consistently wrong information and made no attempts to actually help me. They are located in XXXX and the XXXX, Im scared these people are selling personal information. 30 days I tried to get what should have been an easier solution but instead was given the round around, wasted my time my energy, while they pretended to care and figure out the issue. Id like to report this company as in this time frame they took my money with no problem, and fraudulently advised wrong information as to the status of my account. Their online system is of the dinosaur age, no notification that my card didnt work, no text message no follow up by phone, email or mail. This company needs to be investigated. I find it interesting my credit had shoot up, my other card with XXXX two credit increases and low APR. Indigo with Genesis never changed my credit limit nor adjusted the APR. I 100 % believe they are scamming and selling information of their customers.