davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

{$870.00} amount has been posted by XXXXXXXX XXXX XXXX Visa Card since XXXX as a debt owed to Company. Twice I have responded to the company and all three Credit Bureaus and was resolved due to identity theft on my report. It was deleted from my report in XXXX after filling a complaint. I have also spoke with the collection agency on several occasions about this continued problem which seems to never go away. This Company continue to use a different agency from XXXX XXXX on many occasions to update balance by reporting it as a current active account which I have never sent any payment or acknowledge any debt by me. I am constantly appalled by their different tactics used to sabotage my credit report even after declining the existence of any relationships with the company. 
Their blatant and irresponsible behavior continued to affect my score and rating anytime this reporting occurred or when I am trying to obtain a loan or services for my family that this account showed up on my credit reporting as current debt. 
As of XX/XX/XXXX, it was reported or posted again as a delinquent account until XXXX, XXXX. What else do I need to do with this company for them to continue to harass me and my family. Never conducted business with this company and do not know or have any legal or binding contract with them, neither did I signed any financial document nor agreed to do business with them in XXXX. This is not funny anymore!! 
I like this removed from my credit report permanently and not when it is convenient for this company.
Consumer complaint received 2021-08-07
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. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I have been making monthly payments on my mortgage of XXXX since XX/XX/XXXX. Carrington Mortgage took over my loan in XX/XX/XXXX. I advised them in writing that I would be sending payments by automatic deductions from my XXXX   account. I sent a combined payment thru XXXX  for a total of {$1100.00} on XX/XX/XXXX and XX/XX/XXXX ( I entered the wrong amount for XX/XX/XXXX payment and send a letter stating why the second payment ). Payment thru XXXX of {$1100.00} was sent on XX/XX/XXXX ; the XXXX XXXX payment was made on XXXX due to pay schedule. However the XXXX payment on XXXX was sent back to my XXXX  account on XX/XX/XXXX. In the meantime I received a monthly mortgage statement from Carrington that {$7100.00} was due on XXXX. According to the delinquency record on back page of that ; only one payment on XX/XX/XXXX was received. Then I got an intent for foreclosure letter dated XXXX stating I needed {$23000.00} to cure the default. This makes no sense since I am trying to make payments. The next payment from my XXXX  account to Carrington is today, XX/XX/XXXX. All the XXXX   transitions are documented. It appears to me the Carrington is deliberately trying to take my home. I am concerned about this. I did not know where else to turn.
Consumer complaint received 2018-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (IN)

On XX/XX/, 2018, XXXX XXXX repossessed my car. I have called their redemption department as directed. After waiting on the line for 45 minutes it disconnected me. I called back to be told that the lady who told me to call the redemption department gave me the wrong time and they didnt open till XXXX XXXX Central. So i waited till XXXX XXXX Central time and called again. After waiting on the line for another 45 minutes, the operator told me they were closed and to call back between XXXX and XXXX XXXX Central time. It was already XXXX. I still do not know the correct time they are open. I have called back several times and after 45 minutes, it disconnects me. I keep calling the main line back and they insist they are not able to give me any info. I must contact the redemption department but I can not get ahold of them.
Consumer complaint received 2021-08-07
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: EQUIFAX, INC. (LA)

I have two items on my credit reports from XXXXXXXX XXXX XXXX. The dates are XXXX XXXX and XXXX XXXX. These accounts arent mine and according the FDCPA this a violations of my rites.
Consumer complaint received 2018-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Funds missing for 35+ days. My wire of {$30000.00} was reversed by Coinbase on XX/XX/XXXX.  Coinbase has 7 business days turn around time for these transactions but it has been 35+ days and the funds are still missing in my bank account. 

I have contacted Coinbase customer support numerous times but there is not progress whatsoever. I urgently need the money. 

My XXXX # XXXX : XXXX and Coinbase case number is XXXX. 

Can you please help?
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2021-04-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.
Consumer complaint received 2018-01-29
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: Experian Information Solutions Inc. (GA)

I have been going back and forth with EXPERIAN in reference to some inquires that is listed on my credit report with out my consent. I have a fraud alert placed on my credit report and my phone number is suppose to be on my account for anyone to call me to verify that it was me who applied for credit. I currently have almost 30 inquires that was not authorized by me and EXPERIAN refuses to assist me in this matter. The inquires that are unauthorized are as follows : 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX ( don't even know what this is ) 5.  XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX    XX/XX/XXXX 10. XXXX XX/XX/XXXX I have called the companies and they don't see anything on file becase on these dates I have not applied for anything with these companies on these dates. Please assist me with getting these unauthorized inquires removed from my credit report.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AR)

In my case, Ive asked for proof of the debt, but Ive only received bills. The Fair Debt Collection Practice Act states ; The Fair Debt Collection Practices Act ( FDCPA ) gives you the right to ask for verification of the debt and proof that the collection agency has the right to collect the money. The law also states that by disputing the collection, the collection agency must stop trying to collect until it provides written verification of the debt. Ive made a attempts to verify and make payments on accurate accounts. But those attempts have been repeatedly denied. In the letter sent, it states that this isnt stating that the debt is owed, but advising that there is something showing on credit that needs attention. This is the 3rd attempt to ask for proof of debt with LVNV LLC. However, the company is showing listed under Resurgent? Im unclear or unsure who debt this account is listed under. This company has also made attempts to contact under multiple different numbers listing Arkansas area codes. But when researching both names the numbers are showing XXXX ( XXXX ) numbers. Im asking for proof of this debt with both companies. According to the FCRA, this is my something that I am allowed. I reviewed the statements that you submitted ; however, I am asking for proof of this contract for this account ; and proof of contract with your companies. Please also verify that you are licensed in the state of Arkansas to Collect from both agencies. IT IS HEREBY RESOLVED that the Arkansas State Board of Collection Agencies recognizes as exempt from collection agency licensure in Arkansas any entity purchases or receives an assignment of ownership of a debt that is in default at the time of assignment provided that the debt buyer : 1 ) does not attempt to collect debts directly either for itself or others ; 2 ) undertakes collection efforts solely through third-party collection agencies or law firms ; 3 ) maintains no place of business in Arkansas. This resolution is not a change in the law ; rather it is a clarification of existing law. Thank you for time as we try to get to the bottom of this matter.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have contacted this company several times in regards to a debt they say I owe that is on my credit reports. I have asked them to validate the debt. In the most recent ( and only ) communication from them, they sent a copy of a bill ONLY. That is not validation of debt. I requested validation showing my full social security number, date of birth, and original signature. Otherwise, this debt is null and void and needs to be removed from my credit reports ASAP. I have filed a complaint with the FTC as of today regarding this company and it's practices. This is also the 2nd complaint I have filed with CFPB regarding this company and hope for a resolution sooner rather than later.
Consumer complaint received 2021-07-08
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: I.C. System, Inc. (FL)

I got these accounts that are not mine and i want them to be deleted from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-19
Product: Credit reporting 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. (IL)

I've recently received a copy of my credit report and noticed that there are inquiries reporting that I do not recognize and are unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-01-06
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. (DC)

I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX. XXXX XXXX and XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX Equifax Mortgage Services XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-02-19
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. (AK)

XXXX XXXX Account # XXXX. 

XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Account # XXXX.
Consumer complaint received 2017-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (NC)

Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.
Consumer complaint received 2024-02-19
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. (IL)

15 us 1681i INCOMPLETE INFORMATION ON MY CONSUMER REPORT Transunion is reporting old, incomplete and inaccurate information on my consumer report. 
this is the second week that Transunion has reported old, incomplete AND inaccurate information promptly delete XXXX  promptly delete XXXX XXXX reported on XX/XX/2024 promptly delete XXXX  reported on XX/XX/2024 evidence is attached below
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I closed XX/XX/2021 on a condo in XXXX XXXX and making automatic payments on time. 
United Wholesale Mortgage who now services my new mortgage purchased by XXXX XXXX apparently sent me a letter dated XX/XX/XXXX received XX/XX/XXXX, that was fraudulent from the start, where it says Delinquent N/E Loan Notice at top, to the middle where is falsely states the entire XXXX tax bill of {$8100.00} is delinquent, when its paid in full, to finish, where it says this communication is from a debt collector to collect a debt ; as they are not a debt collector do they work for the XXXX county property tax collections even if there was a legitimate debt. 
e unpaid taxes for this year, with regulations in home buying, as you are well aware. 
A quick check of my parcel no which they sent on the letter, on the XXXX County Tax assessor site, shows the taxes are of course paid in full until my next bill arrives in XXXX. Their company clearly aware of this. 
They state " as of XX/XX/2021 our records indicate that real estate taxes remain unpaid on your property is false and easily disproven with quick check of parcel number on XXXX County Treasurer site open to the public. They then request a proof of payment by me that cant be sent, as they know because I did not pay them, the seller did earlier this year. They are obviously trying to have my funnel money into their company by forcing me to pay into an escrow account if I don't prove this payment. This is outright extortion based on fraudulent information. 
I called their number to verify this was not an outright fraud by someone posing as affiliated with the company and their associate confirmed they sent this letter, and audaciously stated falsely XXXX County had sent a letter to them stating unpaid taxes. This was not only rebuffed by the XXXX  office but nonsensical as they do not send notices to lenders. 
I will pay my property taxes, bi-annually myself on time as is my right. This company 's strong arm tactics to bring in income are a disgrace and everyone who approves these tactics should be punished if you can investigate. I work finance and trust in our system is vital. Thank you very much XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (GA)

On XX/XX/XXXX I wrote a check for {$160.00} to the XXXX XXXX ( Independent Agent for XXXX XXXX XXXX ) for a New Auto Insurance Policy. The Agent XXXX XXXX cashed this check but pocketed the cash and Did Not send Any money to XXXX XXXX XXXX On Wed.  XX/XX/XXXX I left a message on my banker 's phone ( after hours ) about this Fraudulent activity. The next day ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX, Ga. ( Synovus ) ) called me. He had Researched this Situation and Informed me That XXXX XXXX had been arrested on multiple Fraud charges like mine. XXXX and the Bank had Proof Positive that I had Indeed been Defrauded and normally the Bank would Credit My Account for the {$160.00}. BUT ... since this is Now a Criminal Case the bank is NOT going to credit my account for Any money. They suggest that I go to the XXXX, Ga. Police Dept and register a Complaint if I want My {$160.00} Back. I Do n't Understand Why the Bank does n't give me MY Money back and go after the Criminal to get Their Money back???
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Thank you, I have been trying to get my credit report fixed with incorrect information for 6 months now. I 've received a letter from XXXX XXXX on XX/XX/XXXX stating that they made an error in reporting our mortgage account was delinquent. The loan was converted during the HAMP in XXXX and was not suppose to be delinquent. I have contacted XXXX XXXX multiple times in which they contacted the credit bureaus to fix these errors. Since Transunion did n't update my information correctly, I opened a dispute. My credit report is still wrong. It says my payment is 120 days late. Problems are listed below : - Account is closed - So no payment is due - Loan was rolled over to HAMP - Old loan is closed so no payment due - Received 2 letters from the bank to fix these mistakes. 

I contacted Transunion onXX/XX/XXXX. I told him how can the account be " 120 late ''? A paid in full account is late? A closed account is late? This is clearly referenced in the account credit report information ( closed & new loan ) but they will not update. I 'm paying a new mortgage, again this is clearly documented in my credit report. All of these issues have ruined our credit for the last 2 years. This is the only thing delinquent, so each should be easy to find and fix. Also, I have a membership through Transunion. So I am getting charged to monitor their mistakes? 

I 'm attaching my supporting documentation. Please assist.