davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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. (WI)

i called transunion at XXXX XXXX  on XX/XX/XXXX and requested 15 inquiries be deleted from my credit report and they refused to delete them. All 15 of these inquiries are not mine. I want all 15 these inquiries listed inside an attachment here to be deleted immediately.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have an alleged debt with LVNV Funding LLC. They claim that I had an outstanding debt with XXXX XXXX bank. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX bank and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX bank issued me an unsecured credit card. I am in good standing with XXXX XXXX Bank. I disputed this debt with XXXX and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted LVNV Funding LLC and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX Bank or a credit card agreement between me and XXXX XXXX bank. I dont know if the alleged debt was a credit card or a loan. According to what LVNV has on my credit report the alleged debt account was opened in XXXX of XXXX I was living in Florida in XXXX of XXXX. There is no XXXX XXXX Branch bank here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want LVNV to provide proof of this debt between me and XXXX XXXX bank. If they can not provide this proof then I want their trade line removed from XXXX and XXXX. I have a written statement from XXXX XXXX bank that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from LVNF Funding LLC. I have also filed a dispute with XXXX  and am unable to file one with XXXX because they only allow one open dispute at a time. XXXX has yet to show proof of original debt between me and XXXX XXXX bank yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment XXXX dispute 3.
Consumer complaint received 2021-03-27
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: Chime Financial Inc (FL)

Chime/XXXX Bank XXXX Opened a fraudulent account on XX/XX/21 for over XXXX. Reported to XXXX on XX/XX/21. 
XXXX Bank representative stated there are many fraudulent accounts opened through Chime and the this type incident happens often. 
Company allowed fraudulent account to be opened, then reported to XXXX 
I Called Customer Support to fix identity theft XXXX.They report no account with my Social Security number and/or my name. 
They refused to write a letter to state that fact and-asked me to email to fix it myself. 
Taking 0 responsibility for opening a fraudulent account.
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IN)

This is a complaint against cmre financial services and XXXX XXXX XXXX 


On XX/XX/XXXX I was contacted by XXXX XXXX XXXX to attempt to collect a debt. I explained I was never treated by them and they could not find any record of me having been to any of their facilities. I asked not to be contacted again with regard to the matter. 

On XX/XX/XXXX XXXX XXXX I began to receive junk calls that my call filter would filter XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX On XX/XX/XXXX the flagged call left a voicemail about the debt of someone names XXXX XX/XX/XXXX XXXX XXXX  another call no message XX/XX/XXXX XXXXXXXX XXXX another call no message XX/XX/XXXX XXXXXXXX XXXX  another call no message and XX/XX/XXXX 2 back to back calls XXXX XX/XX/XXXX another call XXXX XXXX with another message about XXXX XX/XX/XXXX 2 calls 1 at XXXX and another at XXXX XXXX leaving another message XX/XX/XXXX another call and message left XX/XX/XXXX another call and message left XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls 1 at XXXX the other at XXXX XXXX XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls and 2 messages XX/XX/XXXX another call XX/XX/XXXX another call and a message On the XXXX message I was able to get a name and find a number and call the company. They were rude. I am not happy about this, I tried to stop this from the beginning. This company made a choice to pursue this type way of making money and they clearly don't have a clue what they are doing as this is illegal and I want compensation.
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. (CA)

XXXX continues to wrongfully report the loan to be a charge off, initially it was reporting as a charge off with an unpaid balance, I contacted them with the XXXX and mentioned to them that this is not a charge and there is no balance due on this loan account, to which they went ahead and updated the loan as paid but still left it with a remark as a charge off to which is infringe on my credit report negatively when this loans was fully paid satisfactory and should be reported. As such or and fully and dully remove. This wrongful reporting is severely affecting my ability to obtain a house mortgage. 

I will attach proof of what it was and how it was change and how it's reporting today.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (GA)

I paid the debt off through the settlement of the company that currently has the debt.. XXXX XXXX XXXX. XXXX XXXX XXXX in fact sent me a letter stating the debt was paid in full on XXXX XXXX however, XXXX, XXXX and XXXX continue to share the erroneous debt and amount on my credit report. I have repeatedly disputed the debt and called numerous times and it still appears as a outstanding debt affecting my credit and score. I have spoken to Barclays Bank XXXX Delaware, XXXX XXXX and XXXX please assist.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
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)

i have contacted all 3 credit bureaus as well as XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually
Consumer complaint received 2018-10-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC (GA)

Ability recovery calls everyday, and normally I would be able to put up with this. The fact that the average call times are eight tries in a one minute time-frame. XXXX  XXXX XXXX automatically blocks them now. This has been happening since XX/XX/2018. They never leave any type of a message either.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I'm not really swayed that you have suitably pleased the rules of the Fair Credit Reporting Act in carrying out your study. My studies have shown me that below Section 1681 ( g ) it is important to allow me with an outline with the method utilized to prove that this account is set in collections and email me the name and addresses of persons contacted for each rule perfectly located at the FCRA.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF HAWAII CORPORATION (HI)

A bank payment for my mortgage was initiated using the wrong account. I therefore did not have the funds for the transfer to go through. Although I resoved the isue and made the payment using my correct bank account. Bank of Hawaii charged me {$30.00} on three seperate occasions for this NSF fee. They refused to refund me any of the {$30.00} fees. The fees totaled {$90.00}.
Consumer complaint received 2021-05-06
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: 21ST MORTGAGE CORP. (AL)

21st Mortgage Corp reports inaccurate information to my credit reports on XXXX XXXX and XXXX. 21st Mortgage Corp 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, 21st Mortgage Corp would not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. 21st Mortgage Corp did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from 21st Mortgage Corp with XXXX XXXX, and XXXX 21st Mortgage and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, XXXX, and XXXX should have deleted the account from Mortgage 21st Corp due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. 21st Mortgage Corp has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX County Property Taxes website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for 21st Mortgage Corp. from my XXXX XXXX XXXX  credit report. 21st Mortgage Corp. provides three different contact addresses to XXXX, XXXX, & XXXX. The ledger balances from my XXXX, XXXX, & XXXX  are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the 21st Mortgage Corp account with XXXX, XXXX, and XXXX  it will show that the three bureaus, along with 21st Mortgage Corp just updated with more inaccurate information- Instead of removing the account from my reports.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (FL)

I have asked for proof of validation from XXXX  XXXX  and XXXX the debt is account number XXXX American Credit Acceptance. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

I am writing to you with regards to an erroneous collection account that appears on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to demand full debt validation if a debt collection agency intends to report any debt on my credit profile. It has come to my attention that the collection account listed under your companys name has not been appropriately validated. 

I am hereby formally requesting that Transworld Systems Inc. and XXXX provide the following documentation, which constitutes full debt validation : 1. A copy of the purchase agreement between the original creditor and Transworld Systems Inc., clearly indicating the transfer of debt over the account in question. 
2. The original contract bearing my written signature, affirming my agreement to the services provided by the original creditor.

3. Documentation proving that Transworld Systems Inc. sent me a disclosure of full debt validation, notifying me of the alleged debt and my rights as a consumer under the FDCPA.

Please be aware that mere account information and statements will not be accepted as full debt validation. As a consumer, I reserve the right to demand stringent validation measures to protect my creditworthiness and rights.

Failure to provide the requested documentation within [ state a reasonable timeframe, from the date of this letter will result in further action on my part, including filing a claim against Transworld Systems Inc. for non-compliance with federal consumer protection laws. 

I trust that Transworld Systems Inc. and XXXX will promptly address this matter with the seriousness it warrants and take immediate steps to rectify the erroneous listing on my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-08-17
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: Bread Financial Holdings, Inc. (TX)

My father-in-law paid cash for heating aids from XXXX XXXX XXXX, in XXXX, TX.but somehow a credit was opened at Comenity Capital bank. We just happened to check my father-in-laws credit for him as he is XXXX years old and completely XXXX  we have Power of Attorney. We contacted Comenity Capital Bank and discussed the situation that they had mistakenly opened an acct. under my father-in-laws name and they turned him in to the credit reporting agencies in 2004. We called Comenity Capital Bank I dont know how many times we tried to clear up his credit due to an incorrect report. They had 90 days to correct a charge of {$4100.00} by end of XXXXAnd has significantly lowered his credit score. We just called Comenity Capital Bank to make sure they repaired his credit and when we called in XXXX they said it was not their issue to fix..!!! It is though. We cant get them to fix his credit that THEY ruined! Please help!!
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (PA)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$240000.00} / XX/XX/2022
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MN)

American Express has the wrong social security number listed on my American Express credit card account. XXXX isnt my correct msocial security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/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 information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX called Portfolio Recover Associate to pay {$950.00}. I asked representative if they can send me copy of a report specify where these charges come from late fees Service charge and the representative Informed me its been a very long time for this account to be opened like this and I shouldnt be asking any type of questions I should just be paying for this and they were going to be taking me to court and that they were going to send somebody to arrest me and garnishing my Social Security benefits. 
This account is duplicate on the credit report. 
Representative said it doesnt matter you have to pay that for taking too long. 

For Portfolio The same situation they also said that they would be taking me to court.
Consumer complaint received 2021-07-15
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. (TN)

I reported to TransUnion and XXXX  about a inaccurate debt/account on my file. The account in question is in no way related to me. I don't owe anything or have ever used any of the collection agency XXXX XXXX XXXX  XXXX XXXX or original creditors ( XXXX XXXX XXXX services. 

However they didn't do their due diligence in reporting/investigating. 

They have me confused for my father. Whom shares the same exact name as me. The debt/account is owed by him for services that he used and in no way relates to me.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OZK (NC)

XXXX XXXX XXXX  XXXX XXXX, XXXX. now named Bank of Ozarks obtained the bank in a Merger. The subject is a XXXX XXXX XXXX that I purchased then with good credit and score from XXXX XXXX  dealership of XXXX, NC was begged/ conhersed with 9.99 % interest rate. 
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX now Bank of Ozarks and the salesman told me they'd lower the interest rate before my first payment. The President of XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX spoke to me in depth about XXXX XXXX reporting late payments months after month lowering my credit score and reading my credit reports violating my FCRA - Fair Billing Act while maliciously reaged my credit report while the XXXX XXXX XXXX in XXXX XXXX possession and voluntarily was already sold illegally by XXXX XXXX ( Collections Department ) and XXXX XXXX ( President of Bank of Ozarks ) Employee of XXXX XXXX XXXX/Bank of Ozarks. XXXX XXXX was undeterred in her actions against reporting fraudulent activity to my credit report while loosing me contracts, homes, other nicer vehicles hurting my good character. The Lt. Governor XXXX is my friend and worked on several projects in the community together spoke to XXXX XXXX told Lt Governor XXXX the vehicle repossession was correctly reported XX/XX/XXXX Lt. Governor was disappointed that The President of the Bank was violating my FCRA and Fair Billing Reporting Act. Lt. Governor XXXX also was concerned about Collection Practices of XXXX XXXX and Collections Practice 's. XXXX ( President of XXXX XXXX XXXX  XXXX XXXX, NC.caused me Great Hardships Financially, Socially, Mentally, by not acting according to NC Law. 
I have a Notarized Copied and Dated Copy from XXXX XXXX employee of XXXX XXXX XXXX XXXX XXXX, NC proving my XXXX XXXX XXXX was voluntarily returned on the date of the Notarized Bank Document signed on the day of XX/XX/XXXX without the knowledge of XXXX XXXX until after XXXX XXXX XXXX was returned by my fianc XXXX XXXX. XXXX XXXX volunteered and telling XXXX XXXX Thank You most people have to have their cars involuntary repossessed it was refreshing to have XXXX XXXX to act responsibly. The completeness and or accuracy is on the financial services institution to be reported correct on my credit report. While XXXX XXXX used the vehicle of XXXX XXXX XXXX as a weapon with the approval of President XXXX XXXX to violate my FCRA Rights viciously attacking my credit report Everytime I dispute their errors.The contract I signed also with XXXX XXXX XXXX   XXXX XXXX/Bank of Ozarks and the collections practices speaking to neighbors about my account while voluntarily returned the XXXX XXXX to the XXXX Branch. My privacy rights were violated maliciously without any regards to NC Laws by XXXX XXXX and XXXX XXXX. It was important to violate my rights so the merger would happen.
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. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.