davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (LA)

Last year I submitted a request to a company called Early Warning when I was denied opening a checking account based on their report. They never sent me the consumer report at that time. I also uploaded a copy of my identity theft report from the FTC and accompanying police report to them. They still failed to communicate with me at all at that time. 

I was again denied when applying to open a checking account last month. The reason given to me was that I was denied based on information from Early Warning. I again submitted a request to them for my consumer report. I finally received it this week, and I was flabbergasted. The only thing reported on it was a checking account that was opened fraudulently by my ex wife. I know this due to the address on the account. I never lived at that address, but she did after we divorced. Even though there was a fraudulent account listed, it didnt contain anything I would call negative information. That account appears to have never been used and was closed for inactivity with a XXXX balance. 

So why is this agency reporting this account that appears to have been open for three years and closed with a XXXX balance as negative information? I dont see that as a reason to deny me from having a checking account. 

I am including a copy of the report they sent to me, my identity theft report and police report with this complaint.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}
Consumer complaint received 2018-02-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Massachusetts Educational Financing Authority (CA)

I have made every payment since I re-fied my student loan debt from XXXX XXXX to XXXX/XXXX. My current job has not be able to pay me this month, and I am currently in the process of trying to find another one. I called XXXX  ( the servicer ) trying to do anything, and was flat-out told no, that there is no help for me. I have tried to help by warning them I couldn't make the payment but they are unwilling to work with me. I have worked so hard to try to repay, and to raise my credit score, but all that is going to waste because they can't lose one payment. They don't care whether I starve or can't make rent.
Consumer complaint received 2021-02-27
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 — Their investigation did not fix an error on your report
Company: Professional Debt Mediation, Inc. (TX)

On numerous occasions I have requested that both the credit reporting agencies and the debt collection company ( Professional Debt Mediation ) investigate a collection account that is on my credit. As of XX/XX/2021 the item in question remains. PDM has provided me with a document from the original account which after careful review, I found that my signature does NOT match that of what's on the document. I have informed PDM that this account does NOT belong to me nor have I ever been associated with the business in question. The account in question was opened without my consent. As of XX/XX/2021 PDM has noted the collection as " Consumer disputes this account information '' this does not resolve the matter nor does it comply with my request. Account Information being reported is as follows : Acct # XXXX Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Avantus, LLC (CA)

Avantus LLC ran my credit without my authorization. I did not even provide my social security number. I tried to reach the mortgage company and the contact person via emails and phone calls and he is not responding to my calls. So, please clear the hard inquiry from my credit.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (VA)

Fay Servicing LLC is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is Fay Servicing LLC XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.
Consumer complaint received 2018-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST HORIZON BANK (NC)

I was using the online banking for my reoccurring mortgage payment. I had to change the amount of the payment. So i stopped the original payment and reentered the new payment. XXXX XXXX sent both payments. I called them on several occasions to get the funds returned, they said I would have to request the mortgage lender to return the funds. I did request them to do so on XX/XX/XXXXThey returned the funds vis electronic funds on XX/XX/. ( see file first line ) XXXX XXXX refuses to credit these funds, saying that the transfer did not happen. I have proof of the transaction but they still refuse to credit me these funds
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NV)

I had made some deposits total amount $ 320K USD to www.www.gemini.com, bought crypto ETH, transferred ETH to XXXX, made some profits, the I can not withdraw money from XXXX any more. The XXXX XXXX is a scammer, the site XXXX  is a scam site. 

But www.gemini.com should not deal with the scammer and directly transfer crypto back and forth from XXXX, it makes us think XXXX is a legit site.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (FL)

XX/XX/2021, ( XXXX ) .. This company places a collection on my credit report without sending me any information about this debt, I never received a call or a letter. I've been living in the same place for over 5 years. This debt doesn't belong to me and I would like for this debt to be removed. I've never heard of this company called ( AVANTE USA ). I reported this situation to the XXXX XXXX XXXX and I'm in the process of disputing it with XXXX. I believe these collection company 's are preying on people during this covid-19 pandemic. I would like for this collection to be remove and for them to send me proof that this debt belongs to me so I can disputed it Asap! Thank you!
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc. (MD)

IN XX/XX/XXXX I FILED A CHAPTER XXXX BANKRUPTCY. DYCK O'NEAL. I HAVE DISPUTED SEVERAL TIMES BECAUSE THIS ITEM WAS APART OF THE XXXX BANKRUPTCY. THEY HAVE CONTINUED TO RE-AGE THE ACCOUNT. RECENTLY, IN XX/XX/XXXX IT WAS DISPUTED AGAIN, AND IT WA REAGED AGAIN ON MY EQUIFAX REPORT. 

ON XX/XX/XXXX THE ITEM WAS REMOVED FROM MY XXXX  REPORT
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

On XX/XX/18 I received a collections notice with a balance of {$610.00}. On XX/XX/18 I called to settle the debt. I was told if I paid {$570.00} the debt would be settled. I called back and was told that the balance was {$630.00}. We ended paying the {$610.00}, but I was confused on all the different balances they provided.
Consumer complaint received 2022-09-12
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} and XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MD)

On or around XX/XX/2022, I received a XXXX credit report and noticed Citibank is not reporting an accurate open line of credit. Instead on showing the credit and payment history Citibank and or XXXX has listed the account as no status effectively impacting my debt to credit ratio and credit score according to the report Citibank is not reporting this information. I believe this technique of XXXX/Citibank conveniently not reporting the line of credit is targeting Americans of XXXX descent and designed to lower credit scores and block the consumers purchase finance abilities. I want the CFPB to investigate this practice and find out how many Americans of XXXX descent are impacted by XXXXCitibank refusal to report open lines of credit with timely payment histories and fine all parties involved in this deceptive business practice.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (PA)

I am receiving multiple robo-calls from XXXX XXXX XXXX  every day. I can tell it is a robo-call. The company call multiple times in a row, and leaves 1-2 second long voicemails with and without a pre-recorded message and a robotic voice several times a day. I have never gotten the opportunity to answer the calls because they call in the middle of the work day. I have never heard of this company nor received any prior information from them. I had to XXXX Search the phone number to find out who the phone number belonged to, the XXXX Search brought me to XXXX XXXX XXXX, which states this company is a debt collector. 
I have also reported this company to the FTC. 
Within 14 days, I received 23 phone calls and 11 voicemails.

XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX   XX/XX/18 - phone calls - XXXX XXXX  voicemail included ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XX/XX/18 - phone calls at - XXXX XXXX  ; XXXX XXXX ; and XXXX XXXX voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX voicemail included ; XXXX XXXX voicemail included XX/XX/18 - phone call at - XXXX voicemail included XX/XX/18 - phone calls at - XXXX voicemail included ; XXXX XXXX  voicemail included ; XXXX XXXX  voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX  voicemail included
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I have tried several times with my current servicer Shellpoint mortgage servicing time have them cancel my Force place insurance because I have given them proof that I had hazard and liability insurance for my condo. 

I wrote them two letters to in the form of a qualified written request and notice of correction To The loan servicer by certified mail correct this error under respa however I have yet to receive a response within the required times associated with respa.
Consumer complaint received 2018-02-22
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. (NY)

Hi I am contacting you on behalf of my XXXX so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXXyrs old  and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (MA)

I spoke to account services with American express... .account ending in XXXX ... in XXXX XXXX payments were made, one for XXXX and another for XXXX in XXXX American express withdrew XXXX .... my balance was XXXX. These payments reflect an overcharge... .yet when I addressed this to the account service they state that there were interest charges as well.all total XXXX was paid to American express . I got no XXXX statement so that should indicate that the account was paid. Also the representative that I spoke with was rude... .stated we went thru this yesterday. I don't think he wanted to take the time to look into my concern and just stated Interest charges was included in the account... XXXX dollars of interest charges ... ..!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-29
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. (SC)

XXXX is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to XXXX XXXX XXXX for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that XXXX is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. XXXX has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even more.
Consumer complaint received 2018-06-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (AL)

A company call XXXX XXXX XXXX came onto my private property on XX/XX/2018 and stole my automobile. I did receive any type of notice saying they collecting on a debt. If they take or threaten to take any nonjudicial action ( i.e, without a court order ) to repossess property when there is no present right to possession of the property they is in violation. l did not receive any type of notice asking if they can enter onto my private property and steal my private automobile.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX : {$1400.00}
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Skrill USA, Inc. (FL)

I opened an account with XXXX and made XXXX deposits for {$200.00} each totalling {$400.00}, via direct bank transfer. It should be noted that on the skrill website it clearly states that a deposit via direct bank transfer take " up to 3 days ''. To date the transactions show up in my account but my balance still shows as XXXX. Despite the fact that on the XXXX the {$400.00} was deducted from my bank account and sent directly to XXXX. I have called no less then 7 times, during which I am either hung up on, or told blatant lies, or my personal favorite was when the person straight up told me he has no clue and had no answers for me at all. I have messaged XXXX over 15 times and I get the same result, nothing. My messages are closed out and the status is changed to " closed : issues resolved ''. But there has been absolutely no resolution, I want my money from these people. I have been able to 0ut gas in my car to go to work, I can't pay for my kids daycare, or even buy food to feed my children. I'm in tears every single day because these people just took my money and I'm helpless, they will not give it back to me. Please help me.
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: GVA Holdings, LLC (TX)

I have been a victim of fraud and need to stop all ACH payments with this company. 

RE : Revocation of ACH Credit and Debit Authorization To Whom It May Concern : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. A copy of the ACH Authorization is enclosed. Please confirm receipt of this revocation, and your intention to honor it, no later than XX/XX/2018. Confirmation may be made via email at XXXX or XXXX Your signature, XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}