davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-08-08
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. (NC)

I paid XXXX XXXX a settlement on XXXX/XXXX/2017 of {$500.00} the have not reported this to all XXXX credit bureaus.
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
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. (CA)

I disputed an item off my consumer report regarding the fact experian committed a FCRA violation they deleted the information off my report so with that being said an deletion is an admission that they committed committed violation my report number is XXXX and the date i disputed this account is XX/XX/2021
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

HAPPY MONDAY & hoping you're doing well during COVID because most of us here are struggling both personally and financially. I was shocked when I reviewed my credit report Today and found that you marked me late on my credit for being 30 days on XX/XX/2020 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (OH)

I owed a large amount of money to XXXX 's and was unable to pay the full amount ( I believe it was owed over {$8000.00} ). Because of the problems, I signed up with XXXX XXXX XXXX to try and get this credit resolved. I was promised that if I made 29 payments to them, they would be able to negotiate and resolve my debt with XXXX. <P/>I signed up for this service in XXXX, XXXX and faithfully made $ XXXX monthly payments for the 29 months. XXXX XXXX signed me up with Global Client Solutions to handle my money but I think they may be one in the same, I do not know. My last payment was made in XXXX, XXXX. <P/>I heard nothing more from anyone until this past month when out of the blue, I got a check from Global Solutions for {$2600.00} and was told to deposit it and they ( XXXX XXXX ) would arrange for it to be debited to my XXXX account. I became suspicious at that point and did not deposit the money and cancelled the authorization and debit. <P/>I then contacted my local legal services office and they were able to get a copy of my account showing that I made 29 monthly payments of {$150.00} for a total of {$4300.00}. The {$2600.00} check represented a return of my money that I had deposited less their transaction fees and customer fees. I then learned after contacting XXXX that the check for {$2600.00}, if it had been debited and paid to XXXX, was not a payment in full but a partial payment and that none of my debt to XXXX had been negotiated down. <P/>I believe that they just took my money and never did anything they promised. I think they should give me back the fees they took, {$1600.00} ( {$4300.00} - $ XXXX {$1600.00} ), and they should not be allowed to take advantage of other people this way. I am elderly person whose only income is social security. I did not understand that they were taking advantage of me until this month.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

An application was submitted to American Express on XX/XX/2020. American Express ran a hard inquiry on my credit on this date but informed me that my personal phone number needed to be updated with XXXX before approving the account. I updated the phone number on XX/XX/2020. American Express credit department ensured me that they would not run my credit. However, there is a hard inquiry on my credit report for XX/XX/2020 that I did NOT authorize. This is a violation of the Fair Credit Reporting Act. I attempted to contact customer service and was transferred to 3 different people who could not resolve the problem. In addition, I contacted customer service via chat and could not resolve the problem either.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Happy Monday Team! I was shocked when I reviewed my credit report Today and found a late payment this month XX/XX/2020 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Applied for the Huntington Bank checking account on XX/XX/2020 Approximately {$15000.00} was deposited in line with an account sign up bonus for {$500.00} that required a deposit of at least {$15000.00} A bank account ( acct # 1 ) was linked to make the inbound deposit A second bank account ( act # 2 ) belonging to me was linked ( and verified with trial deposits ) to allow for money movement between my main accounts. 
On approximately XX/XX/2020 I initiated an electronic withdraw in the amount of {$15000.00} to my second account ( act # 2 ) at an external bank. This withdrawal was blocked by Huntington Bank and a hold place on my account. I have follow up several times, about every other business day, with the bank customer service reps to determine how to remove the hold and I offered to provide further documentation if any was required. 
Each time they suggested I step into a branch location. 
Given that I opened the account online, the bank only has branches in Ohio and the ongoing pandemic it didnt make any sense to require me to drive XXXX hours across state lines to show up in person. I offered to send documentation or to simply have them close the account and send my money back. 
I escalated to managers to no resolution. 
The bank continues to hold my money ( approx {$15000.00} XXXX XXXX from me.
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

( XX/XX/XXXX ) XXXX XXXX XXXX cease. The next thing I receive is XXXX/New Penn Financial, LLC d.b.a. Shellpoint Mortgage Servicing, knowingly filed a foreclosure lawsuit on a loan that does not exist. This loan was modified in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX ( XXXX ). The modification terms were not honored by XXXX and a Lawsuit was filed in XX/XX/XXXX to force the Bank to honor their commitment. In XX/XX/XXXX an agreement was reached in Court and a hearing was held on XX/XX/XXXX, and at this point the loan was modified again. XXXX XXXX was the only debtor listed on the documents. More on this in another complaint against XXXX. ON XX/XX/XXXX I received a letter stating the noteholder, XXXX XXXX XXXX  XXXX XXXX is unable to find the original promissory note. Due to the missing credit for payments, I repeatedly asked for an investigation/audit to cure the inaccuracies. Shellpoint Attorneys sent a letterXX/XX/XXXX stating until an investigation is complete, all collection activities will cease. The next thing I receive is the foreclosure lawsuit, without any investigation results. ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX/New Penn Financial, LLC d.b.a. Shellpoint Mortgage Servicing, knowingly filed a foreclosure lawsuit on a loan that does not exist. This loan was modified in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX ( XXXX ). The modification terms were not honored by XXXX and a Lawsuit was filed in XX/XX/XXXX to force the Bank to honor their commitment. In XX/XX/XXXX an agreement was reached in Court and a hearing was held onXX/XX/XXXX, and at this point the loan was modified again. XXXX XXXX was the only debtor listed on the documents. More on this in another complaint against XXXX. ON XX/XX/XXXX I received a letter stating the noteholder, XXXX XXXX XXXX XXXX XXXX is unable to find the original promissory note. Due to the missing credit for payments, I repeatedly asked for an investigation/audit to cure the inaccuracies. Shellpoint Attorneys sent a letter XX/XX/XXXX stating until an investigation is complete, all collection activities will e foreclosure lawsuit, without any investigation results.
Consumer complaint received 2016-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The CBE Group, Inc. (CA)

CBE group is trying to collect in behalf of XXXX. In XXXX I filed for bankruptcy and was discharged including the account for XXXX. It remained open till XXXX when I closed it going to a different carrier. I paid my balance in XXXX XXXX afterwards XXXX send my account to collections. Previous request to provide proof of debt owed. I have only received a copy of an old statement nothing to do with the balance they now show. XXXX and XXXX previously were called to provide proof and nothing happened to resolve this collection. This week one of my family members received an email from CBE group trying to collect a debt from XXXX XXXX. I have not agreed with them to use this family members email address. I would like to resolve this issue it prevents me from obtaining a home loan thru FHA assistance, It is also humiliating for me to have them contact my extended family.
Consumer complaint received 2017-08-07
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. (CA)

XXXX XXXX XXXX XXXX # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Deceptive and confusing website signed me up for a subscription against my clear wishes to the contrary. 

I attempted to get my free credit score directly from transunion, it kept sending me errors. I needed it ASAP so I paid for a credit report not a subscription. My payment was rejected several times, so I my order was processed and then later charged for XXXX dollars. I then called the company after a 60min+ hold I was told I would only be charged once for the credit report and I would not be charged again. I would be refunded all the extra charges. Over the past month they have continued my subscription and continued to charge me. I do not have the time to spend 60mins on a very difficult to use helpline. In my opinion they are intentionally using poor service and difficult user interfaces on their website to make extra money from people. 

Details on non refunded charges below : Transunion Order Number : XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Subscription Fee {$24.00} XX/XX/2020 - XX/XX/2020 Transunion Order Number : XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Subscription Fee {$24.00} XX/XX/2020 - XX/XX/2020
Consumer complaint received 2023-01-31
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. (VA)

I have applied for an apartment and was denied due to XXXX charge on XX/XX/2018 disclosed by TransUnion. I have explain to property manager that charge I was found not guilty and it been expunge. She stated if I show her proof of disposition she will over turn the application decision. I contacted XXXX XXXX XXXX XXXX and they have no record of it due to it being expunged. TransUnion should not be disclosing this informaton n its sealed close so I'm not even sure where they got it from. Please help,
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Several online disputes have been sent to Equifax directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease. Yet, Equifax has repeatedly refuse to remove the once deleted XXXX XXXX XXXX account from my credit report. Additionally, they report that the fraudulent account has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have this account removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

XX/XX/2020 credit reports from all ( 3 ) agencies were requested in order to confirm clean up or address any errors on reports. 
XXXX  reflects ( 2 ) collections from a CCS Collections, XXXX XXXX XXXX XXXX, MA XXXX Amount {$590.00} Amount {$240.00} No documentation, bills, calls, statements or debt validation has been received to date. 

After contacting the XXXX XXXX XXXX onXX/XX/2020, CCS claims the Agency requesting these past charges are the following : Dr. XXXX from a XXXX XXXX A formal dispute has been started on XXXX XXXX 2020 with XXXX  Compliant # XXXX. 

XXXX XXXX 2020 - Contacted my primary care physcian Dr. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX. Neither the doctor 's office or the billing department has any such request or invoice for anything from a XXXX XXXX or a XXXX XXXX. XXXX with XXXX and XXXX. Both checked nothing found. 

XXXX XXXX 2020 - Contacted CCS Collections- XXXX Spoke with XXXX , She checked my name, verified my phone number nothing was found. No invoice could be location, My name or address was not located. Phone time 18 mins. XXXX call ended 18 mins and after she put me on hold the line died. 

XXXX XXXX 2020 - Contacted XXXX at CCS Collections XXXX XXXX. D.O.B and address does NOT match what is on file. No social security number was even provided. No invoice available. Recommended a dispute as well. 

XXXX XXXX 2020 - Contacted Quest Diagnostics XXXX, spoke with XXXX  XXXX, no tests, no invoice were ever located. Checked by name, D.O.B. Address. Nothing located. I was told to contact The Doctors Office for an invoice number. Again, no invoice was ever located.
Consumer complaint received 2020-06-02
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. (WA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas XXXX Transunion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Inquiry from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX