davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX : {$9900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

1. EQUIFAX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MD)

In XXXX of 2017 I was contacted by an extremely aggressive, rude, hostile, and threatening employee of XXXX about a medical debt of which I had no knowledge and did not owe. After trying to resolve the matter ( unsuccessfully due to their threats ) I sent a letter requesting that they cease all contact. The letter was dated XX/XX/2017. 

Today, I received a call from XXXX. The person on the phone who identified himself as XXXX or XXXX XXXX began yelling at me that I owe him {$60.00}. I asked what he was talking about, and tried to identify what he could be referring to as I have done no business with this company whatsoever. He then said " well you really owe us {$120.00}, but since you sent your little letter asking us not to contact you we'll drop it down to {$60.00} ''. I repeated that I had no idea what he was talking about, and then asked for his company 's name and mailing address. He started yelling at me again, then hung up on me. I called back hoping to speak to another person to get the mailing address and to verify the company with which I was speaking. XXXX answered again and said " well we got your letter, so you know our address ''. 

Upon reviewing my files, I noted that I did in fact send a no contact and denial of debt letter to XXXX, and although I have not had any change in my status of not having done ANY business with them nor any company that they represent, they have violated my rights and the Fair Debt Collection practices act. XXXX should be sanctioned to the fullest extent of the law and I want to be compensated for the harassment that I've had to endure in the amount of {$1000.00}.
Consumer complaint received 2022-11-19
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX : {$9900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-07-29
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: SYNCHRONY FINANCIAL (NV)

I had noticed that my credit had been hit with a hard inquiry that I have never heard of called, XXXX on XX/XX/2018. I tried to call the office number provided and I have not been able to reach anyone. Upon research I found that this company has hit many others credit and I would like this removed. Please help. Thank you.
Consumer complaint received 2018-10-04
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: BB&T CORPORATION (NC)

From XX/XX/2018 to present i have ben contacting the 3 cr to fix my credit.after many none validation letters from them all, i have this proof that i will provide that the information that is being reported is not accurate. many times it has been modified ( so that should not happen anymore only delete of this item will be just.
Consumer complaint received 2018-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase is in violation of CA laws barring contribution to 2nd lien holders in short sales. Chase is also in violation of debt collections practices act on a discharged debt. There needs to be an immediate investigation into Chase 's practices of unethically extorting cash from non debtors on debts that have been charged off. 

At issue is a short sale request that submitted to Chase on XX/XX/18. At the time the short sale was submitted we were notified by Chase, ( the 2nd lien holder ), that they were in the process of doing a lien release on the property. Once Chase discovered that the property had an offer they decided to change their mind and remove the debt from lien release. This debt is tied to a debtor who did a Chapter XXXX bankruptcy and there is ZERO equity on the property due to the amount owed to the 1st lien holder and delinquent taxes. The fact that Chase removed the debt from the lien removal process once they discovered there was a pending short sale is unethical however the issue is the fact that Chase is trying to illegally require contributions on this short sale whereby they were they will receive XXXX dollars should the property go to foreclosure auction on XX/XX/18. 

Chase was offered a very generous XXXX from 1st lien holder for their lien that has zero equity. Instead of doing what is ethically required Chase came back and demanded an outrageous amount of {$210000.00}. This obscene and illegal demand is outrageous. Chase has concurred they have ZERO equity on the property. Chase advised they were in the process of doing a lien release for XXXX dollars. Now all of a sudden they are illegally trying to demand outrageous contributions of {$210000.00}. There needs to be a class action suit for this type of egregious extortion tactics. CA law does not allow seller to contribute on short sales and the seller filed Chapter XXXX. The fact that Chase is demanding a contribution is in itself illegal. Demanding that a buyer of a property that has no obligation to another party 's debt pay an outrageous demand is insulting and causes real harm to buyer for which they have the option to seek legal relief. Chase needs to accept what 1st lien holder has offered.
Consumer complaint received 2022-11-19
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$6600.00}
Consumer complaint received 2022-11-19
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$6600.00}
Consumer complaint received 2021-06-23
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. (NV)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX Original creditor : XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX - XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I told the bank usaa that I was under some kind of credit card fraud and that someone stole my secure card and whole wallet which had all my important information in it and kept charging it and getting new cards to the point I owed {$2100.00}. I tried to exactly to them that it was fraud and I want it removed they did nothing. So I refused to pay and now they charged the account off some time around XX/XX/XXXX and sent it to XXXX collection agency and they have been harrasing me calling for funds that I don't believe I have to pay and my credit score took a massive dive because of this. I would like too have this removed. I'm working to work something out at this point ... .just to have it off my report.
Consumer complaint received 2022-11-19
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: GOLDEN 1 CREDIT UNION, THE (CA)

XXXX of XXXX  I got a starter loan from golden 1 credit union all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (KY)

With an XXXX credit score, I had a Citi Diamond Preferred credit card that I paid in full monthly for 13 years. Today I received an alert from my identity theft company that my account was suddenly closed. I called the number on the back of my card and reached a non-US call center with a supervisor who didnt know why my account was closed - all he could do was re-open my account! A debt settlement has been put on my XXXX  credit report. I DID NOT negotiate payment of debt for less than what is owed. I pay my full balance monthly on all my credit cards. No one at Citigroup can give me the contact information for who closed my account and reported this error to XXXX.
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IN)

No one has actually provided any evidence that this was in fact my debt. this negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Indiana, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Indiana to collect. 

*they have this listed on my credit report under the name XXXX XXXX which is NOT me!
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (IL)

CREDIT MANAGEMENT LP is making a false claim that XXXX XXXX Equipment was never returned. In fact it was returned directly to XXXX XXXX and XXXX XXXX has now allowed us back. This was explained to Credit Management LP and they still refuse to remove the debt from my credit report. They were also given a cease and desist letter that they also refused to acknowledge. I want this removed from my credit report because it is false.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (NV)

XXXX XX/XX/XXXX I spoke with a collection rep for XXXX XXXX regarding my account that is being garnished through my Social Security check that this account should have been included under the SCRA the rep became very rude I asked where to submit my documentation for my SCRA dispute and I emailed the collections department to discuss my the discrepancies. 

XX/XX/XXXX I spoke with a supervisor named XXXX in customer service when the conversation started out she was understanding of the situation when I asked to speak with upper management regarding the services of how the companies handles Due Dilgence she became very short and rushing me off the phone this business practice of working with servicemembers is poor customer service XX/XX/XXXX to XX/XX/XXXX I had 2 other accounts that I paid on time and paid off. This is so sad that they treat there customers this way. All I '' m trying to due is get this matter resolved and go on with my life they don't listen to customers at all.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I refinanced my home through XXXX. Before the first payment 's due date they sold the loan and sent me a letter that Specialized Loan Servicing is now servicing my loan. It was not clear who the new lender is until I received a letter from XXXX XXXX. I contacted Specialized Loan Servicing and made the first payment on XXXX for XXXX payment so I can set up the account for bi-weekly payments. The account got set up for bi-weekly payments and the first bi-weekly payment was applied on XXXX, meaning they took the money from my checking account. But Specialized Loan Servicing is holding my bi-weekly payments in a " separate account '' until they collect the second payment. I contacted Specialized Loan Servicing few times about this and the last time was XXXX to ask why. They said this is their practice! XXXX XXXX 's letter ( attached ) also indicates that they do NOT accept partial payments. This was however NEVER disclosed to me by XXXX who refinanced my home. XXXX XXXX XXXX   practice is preventing me from accelerated pay off. My previous lender didn't have this questionable practice. Here 's my first question : Is this practice lawful? This could result in a class action lawsuit. My second question is, why XXXX never disclosed to me that my bi-weekly payments will be held in a separate account until the 2nd payment gets collected which defeats the purpose of bi-weekly payments? I was very clear to XXXX that bi-weekly payment is a requirement for me. They said it's supported. But this form of bi-weekly payment is a joke! The lender is basically preventing the me to make accelerated payments while it's collecting interest every day. Wow!
Consumer complaint received 2018-07-28
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: Experian Information Solutions Inc. (IL)

I have contacted XXXX XXXX using the CFPB PORTAL on XX/XX/2018 to validate a car loan and they have still not sent any paperwork to me to validate the debt according to the FCRA Furnisher XXXX ( a ) the furnisher have 30 days to validate a debt when requested by consumer or it most be removed if not validated in that time frame.Time frame has pasted 30 days Remove from my credit report immediately debt not valid.
Consumer complaint received 2018-07-28
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. (NV)

I've been in contact with Equifax this regarding the disputes I've reported to them that falls unders SCRA and provided ample documentation for Due Dilgence on the accounts I've reported to them and also had to resubmit additional disputes today also once reviewing the account status that they weren't included in the original submission I've contacted Equifax numerous times to verify the accounts status along investigating the accounts properly and verifying that the creditor is reporting the accounts accordingly with federal guidelines and again they are not. This has continued to be mental anguish, stress, XXXX XXXX alot of sleepless nights. I've exhausted all avenues to resolve my accounts with them and creditors to hand the accounts properly.