davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
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. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX  to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX or the credit reporting agencies.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

Chase Consumer Banking ( Chase ) XXXX XXXX XXXX XXXX XXXX, CO XXXX where we have had a business checking account for the past 20 years and regularly make monthly deposits has refused to honor and pay for a deposit made XXXX XXXX, 2015. We have a list of checks from clients deposited on that date along with a deposit Transaction Summary issued by Chase showing the Account Number and that a checking deposit was made in the amount of {$2300.00}. This problem was discovered some time later when a bank statement was received in XXXX 2015. We contacted Chase, informed them of the problem and presented the above information to them. They, we assume, did some analysis and later informed us that they do not know what happen to the checks in the deposit on that day and that they would need to move the issue to more senior management. In XXXX of this year we received a letter from the Chase Executive Office, XXXX TX apologizing for the problem, informing us that we had withdrawn the checks after they were deposited and, therefore, there was no deposit made that day. This is completely fiction and false, we were never informed by the local Chase that this happen because it never did. As mentioned above we have made client check deposits each month for the past XXXX years and have never withdrawn a deposit at the time of deposit or anytime thereafter. We continue to call the local Chase and try to get some resolution. They continue to inform us that senior management will be calling us to hopefully resolve the issue. To date the only contact we have had is the above mentioned letter and obviously no deposit money. The issue is now a year old and we need the money to try and continue our business. Thank you for your assistance
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (FL)

I do not own or consent nor benefit the information on my credit score, such as late incorrect late payments from west gate resorts, false charges from XXXX i owe nothing or any negative consensus. Multiple violations of my rights have occurred just 18 usc 8 states natural man can not obtain debt congress law of year 1933. Not only did it happen but it enables me from increasing my credit extension possibilities just do to the liable written on these public platforms we call XXXX XXXX XXXX and the 6 secondary bureaus. These must be blocked and deleted at once.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had an original loan with XXXX bank.it then became XXXX XXXX bank. the loan was then old to Specialized Loan Servicing ( SLS ) in XXXX XXXX that is when the problem started. I had asked for a repayment plan for the {$1400.00} I was behind. XXXX bank told me all the paperwork for the repayment plan would be forwarded to XXXX. I have been waiting close to two years now for the re-payment plan. I missed another payment but they kept telling me to submit a packet of forms that were for re-finance. after at least XXXX packets, they still did nothing. they keep saying " we are reviewing the forms '' or we need more information. I never asked for a re-fnance. after waiting all this time, about a month or so ago they added on some type of " escrow fee '' for over {$5000.00}. then on my most recent bill they added even more.they gave no explanation for either of these fees. now the bill is over {$13000.00}. I have no explanation as to why. then a few days ago I received a letter saying I had thirty days to dispute the claim, they are trying to do a foreclosure. the back fees due according to them are about {$4000.00}. where they are coming up with over {$13000.00}, I have no idea. there was no prior letter sent. I only received XXXX letters saying I was being assigned a new case manager. 
no mention of foreclosure or why all these other fees were added to loan. I have equity in the house, so I am not understanding why they did not just add the overdue to the loan and refigure the payment amount. it was just that simple. 
I am not the only person having this problem with this loan company. I have the lawyers at XXXX XXXX XXXX, XXXX working on a class Action Lawsuit. there are many comp many complaints against this company. I hope someone stops them from doing this to people.
Consumer complaint received 2022-09-06
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. (CA)

XXXX XXXX is mistakenly reporting a collection on my credit. My heath insurance would have covered my cost at any XXXX locations. Also, I was never notified about such bill. Had ai been, I would never let a {$300.00} bill ruin my credit. Please delete.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX I called my credit card and had XXXX XXXX taken off as an authorized user. On XX/XX/XXXX I received a letter in my inbox on my credit card that stated the authorize user has been removed. To clarify that I emailed them and ask them to add his name to the letter saying that he is no longer an authorized user. On XXXX XXXX it was reported to the credit bureau that he was still an authorized user so I called the credit company and ask them why they put him in as an authorized user because now his credit score dropped, and his debt to ratio went up. Hes trying to buy a house and now because of them reporting this to the credit bureau after I had asked them to remove him he hast to wait to get a mortgage for to refinance his house. I have documentation to prove this and I would like it removed immediately from his credit report. The credit card is a XXXX XXXX XXXX by XXXX XXXX 
When I called to dispute it with the credit card company, they were like oh well.
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The Company is Portfolio Recovery and they are trying to collect an old XXXX on Credit Card debt. Today they called from a number that was id as XXXX XXXX on my phone caller id. When I called back the recording said Portfolio Recovery, they are calling almost every day, I spoke to them 2 months ago to come up with an agreement and informed them that I still could not pay how much they were asking for, the rep insisted that I had to give a credit card number and she would put a future date on it. I explained to her that any date she puts is not a guarantee that I can pay as I was still not working and even though I was interviewing I had no prospects so not sure how I was going to pay. They stopped calling for a while and started calling back every single day, and today at XXXX pm I got a missed call that said XXXX XXXX XXXX. Since I did not file taxes as I have no income to report, I called back and the recording stated Portfolio Recovery, not XXXX XXXX.
Consumer complaint received 2021-01-26
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. (DE)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OK)

I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and experian deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

I am being said to have obtained funds from U.S. Department of Education for {$5000.00} to pay for classes at XXXX University at the XXXX Campus for for the XXXX semester of 2012. 
The dilemma is that i have received notice from XXXX stating that their records indicate i stopped attending the XXXX 2012 semester at XXXX University on XX/XX/2012 for which is the end of the XXXX semester. I withdrew from classes at the end end of the XXXX semester as the notation attached herein as exhibit validates. 
I have contacted U.S. Department of Education at the phone number listed on the credit reports from Equifax, XXXX and XXXX, XXXX, entered my social security number and birth date, and received the message that i have no existing account and a {$XXXX} balance? I the contacted XXXX, WI XXXX, at XXXX, entered my social security number and birth date, and received the same message that i have no existing account and a {$XXXX} balance? This is in sync with the XXXX University notation date XX/XX/2012 that explains that the funds were returned to The U.S. Department of Education. See herein attached as exhibit, but the aforementioned credit bureaus Equifax, XXXX and XXXX have not removed the alleged debt even though The U.S. Department of Education has not provided them nor me with? 1. ) What address the funds came from? 2. ) What the serial # of the alleged check and or checks are? 3. ) Where, as in what bank the money was withdrew from? 4. ) Why does The U.S. Department of Education report that there is a {$XXXX} balance? 
The aforementioned defines that the alleged default of credit should be removed due to the alleged investigation of my dispute being inaccurate, incomplete and or unverifiable. 
The aforementioned has reports filed by said credit bureaus has caused me the consumer significant hardship fro my employer, my landlord, my insures as well as the creditor XXXX, for whom i sought to obtain a business and home loan that was denied due to the erroneous credit reports listed as public record. 
I have forwarded my disputes to The U.S. Department of Education, XXXX, WI XXXX, as well as to XXXX, XXXX, XXXX, WI XXXX, but to no avail, i have not received any of the information i sought to validate the alleged Debt.
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Experian Information Solutions Inc. (CA)

They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX, XXXX , Florida . XXXX
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX bank XXXX ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As you know, I have reported my identity was compromised. 

Police report and Identity Theft victim 's Affidavit were filed and mailed to the banking institutions, Consumer Financial Protection Bureau and OCC. 

I ask that the charges be taken out of my billing. 

Please respond within the next 30 days that the charges are removed as of XXXX XXXX, 2017.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANUNION today has verified either knowingly or negligently a collection account as unpaid, in collection.XXXX, account no.XXXX was paid in full on XXXX/XXXX/16 from a transaction by phone on my XXXX checking account. 
we have records and proof.the furnisher and transunion are today legally liable in a civil action for financial damage according to FCRA. THEY ARE PREVENTING A SUCCESSFUL MORTGAGE, TIMELY TRANSACTION. 
THERE IS NO ALTERNATIVE TO DELETION OF THIS ACCOUNT.THEY NO LONGER HAVE 30 DAYS, THEY MUST DELETE IMMEDIATELY!
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/XXXX, a notice of an alleged debt was transmitted by email notification. The following day, XX/XX/XXXX, I conversed with XXXX, a representative from the Collection Agency, " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. In response to my validation request, XXXX neglected his commitment to investigating the dispute and subsequent follow-up. Additionally, XXXX XXXX, the compliance manager at " Colombia Debt Recovery DBA Genesis, '' failed to provide his credentials for email correspondence upon request. I stated that a validation request would follow suit and no adverse annotations be recorded on my credit history. XXXX XXXX 's contact information and position were discovered on the company 's website. Following our telephone conversation, I promptly transmitted a follow-up email containing a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that any erroneous information reported to the credit bureaus would constitute fraud, for which legal recourse would file suit. I stipulated that all correspondence going forth be solely via email. Despite my adherence to this course of action, I later received an unfavorable collection remark on XX/XX/XXXX. Subsequently, I have been subjected to unwarranted and harassing electronic communications from Colombia Debt Recovery, operating as Genesis, which have failed to address my debt validation request and instead persist in further collection attempts. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

I have been representing a homeowner who has been trying to do a short sale for several months. The servicer " Wells Fargo '' has had our completed file including the letter of authorization, offer, listing, financials, and hardship reasons for over a month. The negotiator assigned to the file never processed our file properly. the file stayed on their desk without attention for weeks. I had been requesting that the sale date be postponed and that the negotiator review the file immediately XXXX For over a week, which pushed the upcoming sale date closer and closer ) Finally he did finish his review and admitted that he did not follow up on the documents i had sent him in a timely manner. The agent then requested that the sale date be postponed on XXXX XXXX. The file had been completed since the XXXX of XXXX. My letter of authorization was never uploaded properly and each time i called in to get help, the agents stated they could not find my authorization. This issue also was escalated along with the sale date request to be postponed but NEVER resolved at any time! The servicer continues to mis-manage this file and will not help this homeowner have her offer reviewed for a short sale. This is unacceptable.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank, USA, NA sold my credit card account to XXXX XXXX XXXX without notifying me. I did not agree with all charges and different products billed to my account. XXXX sued me using a bad process server and my wages have been garnished for 4 years. I recently learned of the Consent Order that Chase entered into with CFPB and would like to know if my Chase account qualifies under that Consent Order.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

I requested that XXXX terminate authority. For some reason, the billing representative said that the account was charged off. It is not charged off so I am not sure I the representative kept confirming this. I need for the collection accounts to be removed from XXXX, XXXX and XXXX. I never had any communication with this company any dispute that it has authority to act as a first-party when I the account is paid for. I need for the company to desist any collection activity related to my telecommunication account with a different company and negatively impacting my personal credit report. I will not hesitate to bring legal action for Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.