davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-02-08
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: HW Holding, Inc (FL)

Regarding former Complaint XXXX, Hunter Warfield claims to have no records of my phone calls or communication between myself and XXXX XXXX in the Consumer Resolution Department, but in their answer they advised me to contact XXXX XXXX of Hunter Warfield 's Consumer Resolution Department. This sounds contradictory and doesnt make any sense. You want me to call XXXX XXXX and go through the entire process again? Since my previous efforts and attempts have gone unresolved, pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I  request that Hunter Warfield provide the certified documents that were reviewed to conclude the accuracy of the information they are reporting to the credit bureaus and to provide me a complete copy of all the information that was furnished to them by the original creditor XXXX  that they are claiming to be trying to collect a debt on behalf of. If you do not comply I intend to commence a lawsuit against you for damages and equitable relief due to non- compliance with the FCRA Section 611. I will also be aggressively pursuing the full judgment that I can get against Hunter Warfield for violation of the Fair Credit Reporting Act and defamation. I have fully investigated my rights in this matter. The foregoing is not intended to be a complete recitation of all applicable law and/or facts, and shall not be deemed to constitute a waiver or relinquishment of any of my rights or remedies, whether legal or equitable, all of which are hereby expressly reserved, including my right to all available remedies against Hunter Warfield, including but not limited to the recovery of costs and attorneys fees.
Consumer complaint received 2023-04-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have NOT been in contact with this company except to file a complaint via CFPB. I asked the company to provide a ( Debt Validation Letter ) signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WV)

Midland Funding. 
I never received any written that I could dispute. Also, i was on XXXX XXXX and had no income. Paid on it while working then as of right now I'm on XXXX and receiving XXXX and XXXX benefits. It takes every dime I get to get stuff or pay for things for my daughter 's school stuff and events, my bills and other stuff for my children.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-12
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: Resurgent Capital Services L.P. (FL)

On XX/XX/2021 I requested for these companies to provide me proof of signature in black ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

After careful review on my behave of the consecutive timeline period provided by "XXXX XXXX XXXX" correspondence and all paperwork necessary in resolving this case; as stated in the attached letter "ChexSystems Request for Investigation" that was initiated by you (******.) and disputed for investigation by me on XX/XX/XXXX; ..it was written by your letter that if ChexSystems does not receive a response to this investigation requested by XX/XX/XXXX this "disputed item" shall be removed from the "ChexSystems" files. ChexSystems and myself were notified of the outcome on XX/XX/XXXX--that is more than 1 month and 12 days that passed over as directed by the Federal Fair Credit Reporting Act!
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have two criminal records on my background check- and they are both in California. 

First one from XXXX : It seems to be a speeding violation related event for trucks. I do not own a truck, nor I had any driver licenses in California at that time. I was a XXXX XXXX XXXX and I worked in XXXX at the time. 

Second one from XXXX : I was not even in California state for XXXX at all. It is beyond me what this record means.
Consumer complaint received 2023-04-03
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. (MD)

The following companies show inquiries on my credit report without my knowledge or authorization:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

I opened a new account with synchrony bank. They accepted XXXX deposits totaling {$61000.00} ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) and then my account was marked " restricted '' and I was blocked from accessing these funds completely. On XX/XX/XXXX, I called to clear up the situation, and was told the restriction would be removed. After noticing that it was not removed I called back ( same day ) and was told it would tak 2-3 business days to resolve it. I waited 5 business days and contacted support via online chat. I was told it would still be 2-3 business days. I expressed my concern that this bank had accepted my funds and refused to allow me access to them, and was failing to follow through on their promise to resolve it in 2-3 business days, but they insisted there was nothing they could do but wait until it was relased by " the back office ''. This is unacceptable. I told them I would like to close my account and have the funds IMMEDIATELY transferred to my other bank, and they insisted that even if I close they account, they can't release the funds until the " back office '' removes the restriction.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/2022, a credit union made a hard inquiry on my credit report. This was a mistake, as I did not give them consent to do so. I immediately contacted them, and they said they would try to have it removed. I also disputed the inquiry with Equifax. Equifax immediately denied the dispute. The credit union has tried to remove the inquiry ( with much difficulty ), and at their direction I again disputed the inquiry in XXXX ( which was again immediately denied ). The credit union notified me on XX/XX/XXXX that they did not see it appearing on their end any more. However, I checked my credit report on XX/XX/XXXX, and the inquiry is still there.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (TX)

Since XX/XX/2021 XXXX online banking has decided to put my account on hold for reviewit has caused me to not be able to receive any direct deposits and pay any bills. They told me that customer service couldnt do any thing on their end and I would have to wait till the review was over. Ive tried to closed the account and they wont allow me to do that. there has not been any suspicious activity on my account and I have my debit card. They wont give me any information and keep telling me I have to wait till the review is over. This has been a huge inconvenience for me and not being able to use my funds in my account.
Consumer complaint received 2020-01-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

For nearly 3-years, I have been trying to get Equifax to remove a collection item that the company has instructed them to do so. XXXX XXXX XXXX sent me a letter and requested that the credit bureaus delete this item from my report dated XX/XX/2017. 

Equifax has refused to acknowledge this additional information. Instead, the item remains over 2-years later. 

Equifax is in direct FCRA violation.
Consumer complaint received 2021-05-25
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. (GA)

Experience, XXXX and XXXX has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2019, I sent a letter requesting that Equifax provide me with its method of verification. They have not done so, instead, Equifax just opened up another dispute and has not sent any method of verification to me.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (GA)

My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/2019 My previous mortgage company DitechI Reported I did not pay XX/XX/2019 I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan
Consumer complaint received 2018-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (MI)

*We spent all we had on tuition {$25000.00} and I took out a Student Loan of {$16000.00}. 

*After 3 years of training, the Dean of Students suspended me going into my final year. No institution, no school no one can collect tens of thousands of dollars over 3 yearsand refuse to deliver and keep all the money. It goes against Student Rights and what the law refers to as The Right to Graduate.

*The Dean of Students tried to cover this up with falsified documents and withholding information. 

*The reasons the Dean gave in the Suspension Letter were not even true. 

*Then the school did the impossible and stopped doing what schools do. The school ignored my grades and GPA, ignored my internship and training, ignored my classes and all my school work, tests and papers. How can a school ignore my education? 

*The school not only refused to give me credit for my work, it also refused to do its own work. After collecting tuition, it stopped doing the very work I was paying the school it to do. The seminary ignored its own classes, ignored its professors work in giving me a grade, and then refused to record my grades or give me credit for the classes I completed. 

The Michigan Department of Education did nothing. They supposedly held an investigation and yet in six months, the only thing they asked to see was our canceled checks, to which we showed them over {$25000.00} worth drawn from our checking account all gone.. The Department of Education here in Michigan never asked to see a single document. They claimed they couldnt do anything because the school was a seminary. It is ludicrous to make this a church & state issue when its a fraud issue. {$25000.00} was our entire savings. No school, no seminary no one can charge this kind of money and then simply refuse to do the work. 

We have no money and I have no career to pay it back with and my name and credit are worthless.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/19 I applied for a JCPenney account and was told by the store clerk it was denied. I received a letter from Synchrony Bank stating that I was denied due to " a prior unsatisfactory obligation with Synchrony Bank. '' I reviewed my credit reports from all 3 credit reporting agencies and found no unsatisfactory obligations with Synchrony or any other agency on any of my reports. On XX/XX/19 I wrote Synchrony back and informed them of this. As the ECOA allows, I disputed the accuracy of this information and requested any information Synchrony used to base their decision. I then received a second letter from Synchrony stating that " some of the information used to make the decision was based on information obtained from my credit bureau. '' Synchrony did not give the name of the credit bureau or explain further why I was denied credit as required in the ECOA. Additionally, Sychrony did not comply with the ECOA in that it failed to : If a lender rejects your application based on your credit report, the lender is also required to { copied from consumerfinance.gov website } : *Provide you the numerical credit score it used in taking the adverse action and the key factors that affected your score *Give you the name, address, and telephone number of the credit reporting company that provided the report *Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice *Explain the process for fixing mistakes on your report or adding information to make your report more complete Given that I have credit in the " very good credit '' range with all reporting agencies, and have had no trouble with obtaining credit from other sources before or since, I believe that Synchrony denied my credit application based on some other reason they do not wish to disclose as it is in violation of ECOA.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX XXXX XXXX and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy