davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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: Hillcrest Davidson & Associates (AZ)

XXXX XXXX the natural person continue to be a victim of fraud upon the US department of Education unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US Department of Education XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX has admitted to selling yet again my information to XXXX. This account has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX Assistance continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX XXXX XXXX an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).
Consumer complaint received 2021-12-03
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. (PA)

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 TransUnion 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 TransUnion 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 XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NC)

On XX/XX/2022, SPRING OAKS CAPITAL sent false, deceptive, or misleading representation in connection with the collection of a debt. Documentation sent has no signatures and doesn't validate debt or constitute a contract. This documentation is not lawful evidence of indebtedness.

SPRING OAKS CAPITAL is also furnishing false and misleading information on the debt.
Consumer complaint received 2018-12-04
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: Experian Information Solutions Inc. (ND)

I received a notice of investigation results from XXXX on XX/XX/2018 stating that the erroneous reporting account numbered XXXX from XXXX XXXX XXXX has been verified as accurate. I have been fighting this problem with erroneous reporting with XXXX since XX/XX/2018. In the enclosed docs, you will find a report from the XXXX website indicating an investigation had been completed on XX/XX/2018 on account numbered XXXX, and more specifically, the account being reported as having 10 missed payments. This account was opened on XX/XX/2018 and closed on XX/XX/2018 and the Highest Balance reported was {$35000.00}. As you can see under the title Dispute Reasons, XXXX states that the payment history/rating is incorrect and the creditor agreed to delete this account. Now on XX/XX/2018, the account is still erroneously reporting on my credit report. You will also find in the enclosed docs that XXXX has deleted this account from my credit report because they couldn't accurately verify this account. I demand that XXXX  and Experian also delete this erroneously reported account from my credit report due to defamation of character and negligent enablement of inaccurate reporting.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (MD)

I got scammed into transferring money to a scammer. My bank ( XXXX XXXX said they can't offer fraud protection because the transfer was made through zelle service. When I called Zelle, they said that because the transaction was made on the bank app, they can not help me even though it was serviced through Zelle
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (FL)

I can only go back on my statement to XX/XX/XXXX through date. I spoke to a representative of XXXX  XXXX on XX/XX/XXXX and the manager was only able to credit me 6 months back. I never signed up for this and it was discovered by my wife as she has taken over paying the bills. This is complete fraud, I never signed up for such a service. They tell me I have been paying this since XX/XX/XXXX. I want a full refund or I am going to continue to pursue this matter. I can not believe these people can get away with this. I am trying to resolve this matter before I retain an attorney.
Consumer complaint received 2020-11-23
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: Trident Asset Management, L.L.C. (FL)

I am not aware of this account or whom the original creditor was. I have attempted to dispute it with the credit bureaus and it keeps coming back as " validated. '' This company has never responded directly to my requests for verification.
Consumer complaint received 2022-04-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX Account type Credit card 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 602 A Section 2 : its also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2017-12-21
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: Experian Information Solutions Inc. (CA)

Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state.

Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Virginia. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas.
Consumer complaint received 2022-04-27
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: Advantage Credit, Inc. (TX)

On XX/XX/2021 and XX/XX/2021 - Advantage Credit , Inc. - XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. reported 2 hard inquiries on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

We took advantage of XXXX XXXX XXXX XXXXXXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XXXX  to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (CA)

Received a letter Demanding payment of a medical debt that is not mine. I wrote to the attorney and filed a complaint with the Texas Attorney General. I have since received a second letter with the same demand. The medical bills that the law offices of Mitchell D. Bluhm & Associates , LLC from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and/or XXXX XXXX XXXX, have nothing to do with me and they were previously advised. I have asked for a copy of the original medical billing and been denied. It appears that The Law Offices OF Mitchell D. Bluhm & Associates , LLC is trying to run a scam and intimidate people into paying money they do not owe.
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist incorrectly calculated the amount needed for escrow before closing. When the issue was raised they were estimating property taxes to be greater than 50 % of what should be expected -- they told us we had to wait until the tax bill came due a full year later. 

A year later, Truist finally processed 2/3rds of the escrow refund owed ( more on this later ). The check never arrived. Since XX/XX/XXXX we have been trying to get the check reprocessed. In that time, we have been told it has been expedited. We were also told one week that it was processed and sent via XXXX 2 day. None of this is true. 

As of today, XX/XX/XXXX, the issue is still 'in the hands of Research. ' Every attempt to escalate is answered with, 'we have escalated this. Check back in 24-48 hours. ' While this was going on, Truist still was wildly over-estimated taxes and was increasing our mortgage payment starting in XXXX. Even though XXXX XXXX had the correct information for XXXX available. After intervening and requesting an update to XXXX by providing the tax bill, Truist processed yet another refund. Not XXXX 2 Day, but XXXX, yet again. We are still waiting to see if this check shows up. 

Long story short, Truist has erroneously withheld amounts totaling, over a year to, {$10000.00} from us. The representatives we work with provide incorrect or conflicting information. 

We have been trying to resolve this issue since XX/XX/XXXX to no avail. What's even more frustrating, we knew the overage would be insane XX/XX/XXXX -- and Truist did nothing to prevent this from happening ahead of closing. We were told to wait for a refund. 

If I owed Truist XXXX XXXX, lump sum ... how do you think they'd enforce collection? Surely wouldn't accept 'wait 24-48 hours and check back '
Consumer complaint received 2024-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DE)

Bank XXXX both of my accounts for XXXX entire week in XX/XX/2024 I would like the Bank to write up a letter to my landlord XXXX XXXX XXXX in XXXX format just so the landlord knows the bounce payment in XX/XX/2024 was not my fault as both the landlord and I would greatly appreciate this from the bank...
Consumer complaint received 2021-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX initiated a securities instrument under the guise of XXXX XXXX XXXX XXXX as a corporation organized, and existing under the laws of New York. XXXX  was never a registered XXXX or XXXX in NY XXXX at the time of issuance. T he Assignment of Mortgage XXXX XXXX XXXX XXXXXXXX XXXX, successor by merger to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When XXXX was assigned this note on XX/XX/XXXX they went into the NY XXXX Division to register XXXX  on XX/XX/XXXX fulfilling the deception that XXXX admitted int eh lawsuits that were carried out in the Great Recession of XXXX ' the Biggest Scam in American Real Estate. This is " XXXX XXXX ''. The Note and Mortgage are void because the alleged XXXX XXXX XXXX XXXX XXXX stated to be a New York Corporation, was not in fact incorporated in the year XXXX or subsequently, at anytime, by either XXXX XXXX XXXX, or XXXX or any of their related corporate entities or agents. XXXX XXXX XXXX XXXX, and its predecessors in interest had no right to receive payment on the mortgage loan because the loan was invalid and therefore void because the corporate mortgagee named therein, was non-existent, and no valid mortgage loan was ever held by XXXX XXXX XXXX XXXX or its predecessors in interest. The alleged assignment of Mortgage which purported to transfer interest in this mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as assignee was invalid because Mortgage Electronic Registrations Systems Inc. XXXX MERS ), as nominee for XXXX XXXX XXXX XXXX had no Authority to assign the ownership interest of said mortgage because MERS was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX XXXX, an alleged New York Corporation which was non-existent Corporation. Said purported assignment was without authority, and therefore invalid.
Consumer complaint received 2021-05-06
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. (CT)

We took advantage of XXXX XXXX XXXX  XXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called Equifax to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Consumer complaint received 2021-05-06
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. (CT)

We took advantage of XXXX XXXXXXXX XXXX  XXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XXXX  to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and Experian XX/XX/XXXX. They continue reporting incorrect information on my report.
Consumer complaint received 2020-11-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

on XXXX2020 and XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had made a purchase from a company called XXXX which was a huge mistake, they turned out to be very shady n liars, I was charged the XXXX for pulse oximeter n was unaware of being charged more then that, I was unfairly charged for XXXX which that merchant refuses to give me back n I disputed it with the credit card company, the package was refused from the post office and an rma number was written on the package, and was sent back, the package couldn't be confirmed delivered back to the merchant according to the post office because of it not being scanned n I have no control over that n the credit card company initially give me the refunds back for XXXX n XXXX but then reversed the credit n put the charge back on my account for XXXX n that is extremely unfair that the credit card company wont reverse the credit charge n credit me back the refund of XXXX n they closed my case very unfairly n I want to dispute this n make a complaint against them and that merchant is very shady n each time I try to resolve this they constantly lie to me n refuse to give me back my full refund and they are a very unscrupulous company and I wish I never purchased anything from them.The package was refused from the post office, and I have no control what happens with the package, the tracking number was on there, so either the package got lost or the merchant is lying about the package not being delivered because that merchant lied to me numerous times over the phone about this issue.
Consumer complaint received 2022-04-27
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. (GA)

The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under 15 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission 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 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-05-06
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. (CA)

All three Credit Bureaus XXXX, Trans Union, and XXXX  are violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. They are also violation my right to privacy under 15 US Code 1681 Section ( a ) ( 4 ).
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (PA)

I was looking at my credit report and looking at the hard inquiry that I was not familiar with. 

I called each and every company that I did not authorize no one to look at my credit report but no one has me on their report at all. I tried to disputed with the credit bureaus for months and only XXXX  removed it. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX Car