davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MI)

I have contacted LexisNexis on several occasions. They are governed by rules of the fcra. Settlement has taken place by them in the past regarding the fcra. I submit the information I provided them on XX/XX/2018 far past the 30 days they legally had to investigate.
Consumer complaint received 2020-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I tried reporting fraudulent accounts on my experian and XXXX report. I have I sent in my FTC affidavit, my id and ss # and and fraudulent inquiries. The company has not investigate my claim and claim they don't have any of my information. I also sent a claim from cfpb website and the company responded that I wasn't the person submitting the claim.
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

I contacted this company to let them know that this must be an error. They put this information on my report without contacting me. The original creditor was not owed and also if they were the debt was pass the statute of limitations for collecting due to utilities such as TV, cable, internet and phone has to be collected within 2 years from delinquency. All said I do not owe this company.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion file number XXXX incorrectly reporting my name as XXXX XXXX XXXX. I do not carry a middle name. Please remove XXXX from my name.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to you with a sense of urgency regarding the inaccurate information present on my credit report. It has come to my attention that there are significant errors that require immediate correction. 

It is utterly unacceptable that my creditworthiness is being compromised due to inaccuracies within your report. These errors not only tarnish my financial reputation but also hinder my ability to access essential financial services and opportunities. 

I demand that you take prompt and aggressive action to rectify these inaccuracies without delay. Your failure to do so will not be tolerated, and I will pursue all available avenues to ensure that my credit report reflects accurate and truthful information. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my dispute and the steps being taken to resolve the issue. 

Please be advised that I am prepared to escalate this matter to the highest authority if necessary to achieve a satisfactory resolution. 

Time is of the essence, and I anticipate your immediate attention to this matter.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

I see that on my credit report I have a collection accout for {$1800.00} for XXXX XXXX XXXX in which I dont owe a debt to a XXXX XXXX XXXX I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name XXXX XXXX XXXX
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth third Bank appears to be structuring their checking account transactions so as to generate more overdraft fees for themselves. More specifically, it appears as though they 're delaying the posting of transactions, and fees to generate more overdraft fees. I had an insurance payment of {$160.00} on XXXX, which showed as paid on XXXX by the insurance company. Fifth Third did not post this to my account until XXXX. Then, on XXXX before XXXX I made a withdrawal from a non-Fifth Third ATM. They did not deduct this from my available balance until XXXX ( posted on XXXX ). They also delayed tran non XXXX XXXX ATM fee they charged. It seems like they should charge the fee at the point of the withdrawal. The only reason to delay that fee is to misinform the customer on their true available balance ( resulting in overdraft fees XXXX.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SPS currently has an authorization for XXXX, and a complete short sale package. SPS is refusing to work on this short sale until the Broker from the Listing Agents firm is authorized by the homeowner. This is absurd and unnecessary. The homeowner has NOT authorized this person ( the broker ) to be on the authorization. SPS is claiming the investor is forcing this to be a part of the short sale. The investor does not yet own the property and has no right to determine who is the authorized party. Nor does the listing agent need to be authorized with SPS in order to list the property for sale. 

SPS does these types of delay tactics on EVERY SHORT SALE WE HAVE EVER HAD WITH THEM. Another delay tactic used by SPS- on this file and every file we have ever had with them - is to piece-meal their document requests. In this way, they are dragging out the decisioning process, collecting additional servicing fees, and defrauding their investors. 

We have had multiple investors pull all of their loans and move them away from SPS -- likely they have gotten wise to SPS ' FRAUDULENT ACTIVITIES.
Consumer complaint received 2015-05-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

I mailed a check to my bank clearly marked " for deposit only '' with my signature and account # on the back of the check. It did n't show up on my bank statement. I called the bank and after several phone calls back and forth, the asst bank manager told me that the check had been cashed out. They surmised that it had been stolen and cashed with only initials under my name. But it was cashed at the bank I sent it to. They claim they never received it. And they have a policy of double endorsement -- that a second party could cash the check with proper ID. I asked for them to check and identify the teller. They said they could n't. More phone calls. I finally sent a letter to the bank 's District Manager asking him to verify their banking policy about " double endorsement. '' I did n't receive a response. He only referred the letter back to the original bank. I spoke to the bank 's manager and she said the check should have never been cashed, that I was a victim of band fraud. She came up with a plan to try to get my money back. After much legwork on my part, I got the bank where the check originated to file an " Endorsement Forged Affidavit and Agreement '' including a police report. This was sent to the bank 's security office. Months have gone by and I have not received any response. I have checked with other banks about their policies and I have been told that under no circumstance would they cash a check marked for deposit only to a second party, unless the first party was there in person to sign the check over to the second party! My feeling is that the bank who cashed the check made a mistake and they do n't want to deal with it and just want me to go away. I need help! I have copies of my correspondence with the bank, notes of phone calls, names of bank officials, etc. Thank you for your time.
Consumer complaint received 2016-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co. (IN)

I applied online to Consumer RealEstate Financial Co I was instantly prespproved for a {$15000.00} loan I found a home sent all necessary paperwork this company had me send paperwork more than 3 times I had to pay {$570.00} for an appraisal that they picked and had to take a class which I paid {$75.00} they said if I took the class I would get a better interest rate all this went on for months by the end of the 3 month they said I would have to pay my car and a credit card off my realestate agent also had trouble getting someone to call them back about certain questions at the end of the third month the seller was ready to put house back on the market because this fianc was still slacking on the loan my realestate agent told me to submit everything to a local fianc company I did so and closed within 10 days for a fixed lower rate that the other company was gon na do those 3 months were a nightmare I feel that I should be reimbursed the monies for the appraisal ( which the fianc company I was approved ) could not use and reimbursed for the class I had to take. I appreciate help getting my money back XXXX
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (NV)

FALSE STMT TO OR OBSTRUCT PUBLIC OFFICER : It happened between the year of XXXX, the statements should be clear by now. It was filed on, XXXX, XXXX, XXXX, offense date is, XX/XX/XXXX, and the disposition date, XXXX, XXXX, XXXX. 

All actions has been resolved and cleared on other background checks, please request a new background check.
Consumer complaint received 2020-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Screening Reports Inc. (PA)

Screening Reports Inc,  reported to   XXXX   XXXX   that my credit report states that my home mortgage loan with   XXXX   XXXX   is in foreclosure and my application was denied. I retrieved my  XXXX  report that does not show a foreclosure and I contacted   XXXX   XXXX   to make sure I am not in foreclosure and reported back to  Screening Reports Inc  and they are asking that I get a letter from the Mortgage  Company  in which the Mortgage company told me to provide them with my most recent statement and payment history.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio has the correct address for me. I have notified Select Portfolio of my new address ( or addresses ) pursuant to the Select Portfolio 's requirements for receiving a notice of a change of address.They allegedly sold their servicing rights on XXXX XXXX, XXXX. Select Portfolio did not follow the law regarding sending a notice of transfer 15 days prior to date of transfer. ( See 12 C.F.R. 1024.33 ( b ), and CFPB Bulletin XXXX, Date : XXXX XXXX, XXXX, Subject : Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers )
Consumer complaint received 2023-01-31
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (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, XXXX, and XXXX XXXX.As 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 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (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, XXXX, and XXXX XXXX.As 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.A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (NC)

Last year I entered into an agreement with XXXX for internet services and was offered a guaranteed 30 day trial period. If I was not satisfied with the services and or mis-representation of services. It was up to me to cancel, per the XXXX   agreement. Due to mis-representation of the services ( High Speed Data ), I cancelled before the allotted time of the 30 day trial period. The amount was for {$130.00}, in which XXXX claims I still owe. ( Which XXXX has added on cancellation fees ). Previously they had a different collection agency threatening to damage my credit, now XXXX  has enlisted a new collection agency ( Franklin Collection Services ). Who has threatened to ruin my credit history, in which is in good standing.
Consumer complaint received 2022-09-13
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. (NJ)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (AZ)

I am a victim of identity theft. Current banking app. Not once. Not twice. But three times allowed unauthorized individuals to take thousands of dollars of my money and left me stranded stuck out and not giving me provisional credit of which they informed me that I was entitled to. 

This most recent event XXXXcurrent Every transaction made on the account after that date was fraudulent due to the fact that I had lost/it was stolen, my phone ( the case is a wallet ) I am assumsing ( pure speculation ) by someone who knows me or presumably watched me pay for gas at the pump before. 

I disputing almost XXXX worth of transactions, as well as fraudulent XXXX XXXX transactions, uploaded to them proof of my identity theft affidavit with the irs as well as my ftc identity theft report. Signed affidavits, etc and nothing. They denied absolutely everything. When I asked for an appeal they said sorry, the results of the investigation are final they dont do appeals. Offered to file/submit police reports on ALL occasions. Their were three teen accounts with random names for which my account was being charged for. They denied this and removed the accounts, said they added XXXX login ( not true ) and charged me another XXXX to ship me a card. The last dispute in question is still under investigation
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2018-07-01
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. (NV)

SS # XXXX I have submitted police report to Experian as well as a letter of dispute for each incorrect fraudulent activity on my credit report. And the issue has not been resolved. I am a victim of identity theft 2x. Experian has not removed the following fraud inquiries and credit card and Bankruptcy. Please review my documents I have lived in XXXX  10 years. There is a XXXX XXXX   bankruptcy reported XX/XX/2015 reference number XXXX.

Inquiries 33 total most of these are online inquires I researched. Online payday loans .Please Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account